1. The husband owes the credit card and the wife is likely to be jointly and severally liable for repayment. If the credit card consumption is used for the family's life, it should be considered as the husband and wife's debt. If it can be concluded that one party's credit card debt belongs to the same debt of husband and wife, then the other party should also bear it. Otherwise, the other party has no obligation. Even if the credit card consumption is used for family expenses, the wife's personal credit information will not be affected, and the personal credit information will be affected only for the cardholder himself.

2. The debts that both husband and wife * * * sign together or one of them ratifies afterwards, etc. * * * indicate the same meaning, shall be deemed as the debts of husband and wife * * *.

article 7 of the measures for the supervision and administration of credit card business of commercial banks stipulates that under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

second, how to deal with the overdue third-party collection of credit cards

You should contact the bank actively, and the customer service phone of the bank must also be answered. Basically, bank customer service is a relatively mild customer service reminder and truthfully explains the situation to them. Of course, except for some small local banks, some banks have a strict attitude and it is difficult to negotiate staging.

in the face of collection, if it is a third-party collection call entrusted by the bank, the cardholder can selectively answer it, but he can't always ignore it. Don't rush to repay, blindly repay, be sure to verify the identity of the other party and whether you can go through the relevant settlement procedures or installment payment procedures. You must see the contract documents after reaching an agreement, and you can't trust the promise of collection casually.

debts signed by both husband and wife or ratified by one of them afterwards shall be deemed as debts of both husband and wife. Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.