The wife is not necessarily obligated to repay the credit card debt owed by the husband. If the debt is used for the daily life of the couple or the daily life of the family, it will generally be regarded as a joint debt of the husband and wife, and the wife needs to repay it jointly. But if it is the husband’s personal debt, the wife does not need to repay it. The above is the relevant content of my husband’s overdrawn credit card, should I ask my wife to pay it back? The adverse effects of unpaid credit card debt

1. High interest and tax late payment fees: Cardholders who have outstanding credit cards will not enjoy credit card interest and will be charged interest from the transaction date. Start charging an interest rate of 0.05% per day. The longer the time, the higher the penalty. If the credit card interest is not repaid, the bank will deduct a late payment fee from the cardholder, which accounts for 5% of the outstanding portion of the minimum repayment amount. The bank will also deduct higher overdue interest from the cardholder within a certain period of time;

2. Personal credit stain: Personal credit record is very important. If you have applied for a credit card or failed to repay a loan, your credit record will be stained. If you want to apply for a credit card again, it will be difficult to be approved. The worst thing is This is the impact when buying a house. The loan amount provided by the bank to an individual will be smaller than others, but the interest rate will be higher. Moreover, if there is serious overdue situation, the bank will not even agree to the loan;

3. Credit card is used Card suspension: If the credit card balance is not repaid, the bank will withdraw the credit from the cardholder's revolving limit, and the user's credit card will be stopped from use. For repeated arrears or long-term arrears, the bank will consider the cardholder to have a higher risk of repayment, then terminate the use of the credit card and ask for the outstanding balance from the user. If the user still has not repaid the bank credit card balance, the bank can apply for an auction. Other fixed properties of the cardholder;

4. Intentional default will be punished: If the bank's credit card debt is not repaid for more than three months, it will be regarded as an overdraft credit card, and the bank can go through judicial proceedings. . What should I do if I can’t afford to pay off my credit card consumption?

1. Users should discuss with the bank as soon as possible;

2. Strictly implement the repayment plan for repayment ;

3. Apply for card renewal after final settlement of the outstanding balance.

This article mainly writes about the knowledge points about the husband’s overdraft on his credit card, should he ask his wife to pay it back? The content is for reference only.