1. What should my husband do if he owes 60,000 yuan to his credit card?

Credit card arrears of 60,000 can be handled in the following ways:

1. The parties can go to the bank for consultation. The purpose of contacting the bank is to explain the reasons for the non-repayment of the arrears and avoid the bank thinking that the debtor is overdrawn maliciously. Banks will also consider the repayment plan of arrears as appropriate, and will not bring a lawsuit to the court because of arrears;

2. If the bank does not agree to the installment repayment agreement, the parties shall repay the arrears on time, and may bear criminal responsibility if they fail to repay within a certain period of time;

3. Borrow money from relatives and friends in time. If you negotiate with the bank, there is still repayment pressure at maturity, so you must borrow money from relatives and friends to repay in time.

Second, what if the credit card still can't be done?

1. Use the minimum repayment function. Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

2. Use the segmentation function. If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide installment functions of 3, 6, 9, 12, 18 and 24. You can choose the number of installments according to your repayment ability, which can relieve the repayment pressure without affecting your credit.

3. Change the bill date to extend the repayment period. The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Actively negotiate with the bank to explain the situation. If you really can't get up for a while because of special circumstances such as work, you can take the initiative to call the bank and explain the reason, which proves that it is not malicious and there is a reason. Discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

If my husband owes 60,000 yuan, he will try his best to repay it. Otherwise, the consequences of overdue payment will not only require repayment, but also generate corresponding liquidated damages and interest. Most importantly, it will also affect personal credit information. Once the credit information is affected, it can't be raised in a day or two.