If the only eligible house can be auctioned, the overdraft credit card will not be paid three months after being collected twice by the bank, which is a malicious overdraft. If it exceeds 1 10,000, a criminal case of credit card fraud can be established, and the amount above110,000 is already huge. The wife's housing distribution can't be sealed up, only your own property can be executed. But if the law recognizes that your wife's house is jointly owned after marriage. After the bank sues, if the man has no money to repay the bank, the bank may apply for compulsory execution. Your house will be sealed up and auctioned by the court, or it is better to negotiate with the bank for repayment in installments. Otherwise, malicious overdraft and inability to repay will constitute the crime of credit card fraud, and criminal responsibility will be investigated with civil compensation according to law. The market is risky, and credit card overdraft needs to be measured. When the credit card cannot be repaid due to unemployment, illness, etc., before the repayment deadline, the cardholder should take the initiative to contact the bank credit card center to explain his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment or installment repayment. If the credit card is overdue, there will be not only a fine of 5% for the minimum unpaid part, but also a penalty interest for the full amount of the bill (interest will be paid on the day of consumption, and interest will be recovered on a monthly basis until the principal and interest are paid off), and a bad credit record will be generated in the Credit Information Center of the People's Bank of China. If it is overdue for more than three months or the bank urges you for more than two times, the bank will freeze your card and list you as a prohibited customer. Serious cases will constitute the crime of credit card fraud. You know, you still have to pay back the money after you get out of prison.