if it is not used for family production and life or is not known, it will have no effect on the wife. If it is considered that the husband and wife are carrying the same goods, it will be influential. Impact of credit card non-return: Your bad repayment record will be recorded in the personal credit information system, which will affect other business in the bank in the future. Default will always generate interest and late fees, and banks will sue in the name of credit card fraud if they think it is malicious default. Credit card fraud is an economic crime.

Legal analysis

If the credit card owed by the husband is used for the two parties to live together, then if they are divorced, they need to repay the debt together, which can be repaid by both parties through agreement. If the agreement fails, it can be ruled by the court; If it is agreed before marriage that the credit card debt does not need to be repaid by the wife, then it can be repaid after divorce. If it is a debt borrowed by one party for gambling, because the debt is not used for the husband and wife's common life and family life, it belongs to one party's unreasonable expenses and does not belong to the scope of the husband and wife's common debt, so it should be borne by the borrower himself, and the other spouse will not be liable for repayment. It should be pointed out that according to Chinese laws, illegal debts are not protected by law. Gambling is forbidden by Chinese laws, and gambling debts are illegal debts and are not protected by law. If the lender knows that the debt borrowed by the borrower is used for personal gambling, its creditor's rights are also not protected by law. During the marriage relationship, if one of the husband and wife bears debts in his own name, the other party can prove that the debts are really personal debts of the debtor. Husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if a third party knows the agreement, the property owned by the husband or wife should be paid off.

Legal basis

Article 165 of the Civil Code of the People's Republic of China stipulates that the property acquired during the marriage relationship and the property before marriage shall be owned by each other, owned by * * * together with all or part of them, and owned by part of them. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 162nd and 163rd of this Law shall apply. The agreement between husband and wife on the property obtained during the marriage relationship and the property before marriage is legally binding on both parties. The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband or wife should be used to pay off the debts owed by the husband or wife.