Legal analysis: A husband's overdue credit card may seize his wife's property. However, the wife's bank account will not be frozen because part of her husband's common property belongs to him. In the process of recovering the debts owed by the husband, the bank may apply to the people's court to take necessary preservation measures, so it may freeze the husband's joint property first, which may itself be a joint debt.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 698 The guarantor of a general guarantee provides the creditor with the true information of the debtor's property available for execution after the maturity of the principal debt. If the creditor gives up or is slow to exercise his rights, which makes the property unenforceable, the guarantor will no longer bear the guarantee liability within the range of the value of the property available for execution.

Article 699 Where there are more than two guarantors for the same debt, the guarantors shall bear the suretyship liability according to the share of suretyship agreed in the suretyship contract; If there is no agreement on the share of guarantee, the creditor may require any guarantor to bear the guarantee responsibility within the scope of its guarantee.

Article 700 After assuming the suretyship liability, unless otherwise agreed by the parties, the surety shall have the right to recover from the debtor within the scope of suretyship liability and enjoy the creditor's rights against the debtor, provided that the interests of the creditor shall not be harmed.