Legal analysis: it is recommended to repay in time. Failure to pay back the bank credit card will generate interest. Secondly, the bank will collect money by SMS, telephone and door-to-door. If the collection is unsuccessful, the bank will sue the debtor. If the debt owed by one spouse belongs to the joint debt of husband and wife, both spouses will become defendants. After the prosecution, the court will make a judgment according to law. If it is still not returned, the court will seal up the personal property under the husband and wife's name, auction these properties, and use the auction money to repay the arrears.

Legal basis: Article 674 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall pay interest within the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan. Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.