Is credit card debt a joint debt of husband and wife?
The second-generation credit information will show the spouse information, but it will not reflect the other party's debt. Only the spouse's name, certificate type, certificate number, work unit and contact number will be seen in the credit report, but if both parties jointly borrow money, such as buying a house after marriage, the loan will be displayed in the credit records of both parties.
The purpose of the new joint loan is to crack down on fake divorce to buy a house. In the past, many people divorced before buying a house in order to enjoy the qualification of the first suite. The second generation of credit information clarified the common repayment responsibility. After the divorce, both husband and wife will have a loan record. In the future, if they want to borrow money to buy a house, they may not be able to identify it according to the standards of the first suite.
As for whether the credit card debt is a joint debt of husband and wife, this has no obvious relationship with the second generation of credit reporting. In judicial practice, the court will mainly determine whether the credit card debt is the debt of both husband and wife according to whether the credit card consumption is mainly used for family life, and if it is used for family life, it is a joint debt.
Moreover, only with real consumption records, relevant original evidence, credit card consumption and the authenticity, legality and relevance of the evidence can it be proved that it is a joint debt of husband and wife. If you can't provide conclusive evidence to prove that credit cards are used together for family life, the joint debt of husband and wife is not established.