1. Is the other spouse responsible for the credit card debt of one spouse?

1. If one spouse owes a credit card, if the debt is a joint debt of both spouses, the other spouse needs to repay it. . Both spouses need to use the joint property of the spouses to repay the joint debts. But if the debt is personal to one party, it does not need to be repaid by the other party.

2. Debts borne by both spouses with the same consent, such as signatures or subsequent ratification by one spouse, as well as debts incurred by one spouse in his or her own name for the daily needs of the family during the marriage. Negative debts are joint debts of husband and wife.

Debts borne by one spouse in his or her own name during the marriage, which exceed the daily needs of the family, are not joint debts of the couple; however, the creditor can prove that the debt is used for the joint purpose of the couple. Exceptions include life, sex, production and operation, or based on the consent of both spouses.

3. In the event of divorce, the husband and wife's debts must be repaid jointly. If the property of the two parties is insufficient to repay or the property belongs to each other, the parties shall agree to repay the repayment; if the agreement fails, the People's Court shall make a judgment.

2. What to do if the credit card is overdue and does not accept negotiation

1. If you go to the China Banking and Insurance Regulatory Commission or a petition or a third-party financial charity organization to report or request assistance, you should first call to report. Yes, but calling to report works for some people, but not for others, and calling the reporting number once or twice is not enough. You have to call them more often and explain the actual situation to them.

2. Through the intervention of the China Banking and Insurance Regulatory Commission, the bank may take the initiative to negotiate with you. But now I find that many banks have recently had more overdue people, so their internal collection staff must be limited, so it does take some time to deal with it.

3. What to do if you can’t pay back your credit card overdue

1. Express your willingness to repay to the bank. When your credit card is overdue, you must not ignore it. First of all, you need to get in touch with the bank, indicate your current financial situation, take the initiative to express your willingness to repay, and hope that the bank will coordinate and customize a reasonable repayment plan.

2. Ensure smooth communication. Bank staff will continue to contact you after the due date, but do not deliberately avoid these calls.

3. Borrow money from relatives and friends promptly. If you have negotiated with the bank and there is still pressure to repay the loan when it is due, you must borrow money from relatives and friends to repay it in time, otherwise you will be sued by the bank.