1. When the court determines that the credit card debt is the joint debt of husband and wife, it mainly considers whether the credit card consumption is mainly used for family life. For family life, it shall be recognized as joint and several debts;
2. Secondly, it is argued that the credit card debt belongs to the burden of proof of the joint debtor: only when there are real consumption records, relevant original evidence, consumption from credit cards and the authenticity, legality and relevance of the evidence can the credit card debt be proved to be a joint debt of husband and wife.
Precautions for using credit cards:
1. Repayment on time: If the arrears are not paid off on time, their credit records will be affected and liquidated damages for delay will be charged.
2. Diversification of consumption: You can spend money by swiping your card in places you don't use, such as restaurants and shopping malls.
3. Don't swipe your card too short: Don't swipe your card too often. If the card swiping action is abnormal, it is easy for banks to control risks.
The meaning of credit card:
Credit card is just another kind of bank loan. Simply put, the bank will give us a loan first, which can give us an interest-free period of about one month to fifty days, which can solve our own crisis at that time and buy what we want in advance. You must know that we need to use a card and then use a credit card to spend.
Don't cash out indiscriminately: banks are not allowed to cash out. Do it according to one point, so that banks can feel that money is safe and profitable with us. There is no problem in doing it according to this purpose.
Repayment on time is a must: having a credit card is the first priority. Don't use it if you don't want it, because credit is related to your future dealings with banks, especially loans.
Credit card repayment method:
Counter repayment:
Credit card repayment at the counter of the issuing bank is a very traditional way of credit card repayment, because it takes time and is rarely used. ATM:ATM returns credit cards mainly by depositing money into credit cards at the issuing bank ATM, but ATM can only deposit several hundred RMB, which is not flexible enough. Related repayment: credit card is bound to debit card for repayment, and the bank automatically deducts money on the last repayment day of each month. As long as there is enough balance in the debit card, this method is very convenient and efficient. Lacarra and other self-service machines: Many supermarkets and shopping malls have UnionPay self-service repayment equipment, and any bank debit card can be used to repay credit cards. Online repayment: official website, the issuing bank, generally supports credit card repayment. At the same time, with the rise of mobile payment, tools such as Alipay, WeChat wallet, mobile banking APP, and the official account of the issuing bank WeChat let us complete credit card repayment anytime and anywhere.
Personal suggestion: With the continuous application of big data to risk control, private credit systems such as Sesame Credit are constantly emerging, and China's credit system is accelerating, and personal credit will play an increasingly important role in our lives. So be sure to remember to pay back on time.