1. What should I do if my ex-husband uses my credit card and I don’t want to pay it back?
If my ex-husband uses my credit card, I can still negotiate or litigate.
1. If a creditor claims rights over debts borne by one spouse in his or her own name during the marriage, they shall be treated as joint debts between husband and wife.
2. However, one spouse can prove that the creditor and debtor have clearly agreed that the debt is a personal debt.
3. During divorce, if one party hides, transfers, sells, or destroys the joint property of the husband and wife, or forges debts in an attempt to appropriate the property of the other party, when dividing the joint property of the husband and wife, the concealment, transfer, or The party who sells or destroys the property jointly owned by the husband and wife or forges debts may receive less or no share.
4. After divorce, if the other party discovers the above-mentioned behavior, he or she may file a lawsuit with the People's Court to request another division of the joint property of the couple.
2. What to do if your credit card is overdue?
1. Use the minimum repayment function. Every bank has a minimum repayment function. As long as the minimum repayment is paid, the bank will not charge late fees and will not affect your personal credit. However, interest will be charged for repaying the minimum, which is 50% interest per day. Therefore, as long as you repay the minimum, although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and it can only be used as a temporary delay.
2. Use the minimum repayment function. If you are under pressure to repay, you can directly apply for bill installments. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. You can choose the number of installments according to your repayment ability, so that you can Ease repayment pressure without affecting your credit.
3. Change the billing date to extend the repayment period. The billing time cannot be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once.
4. Take the initiative to explain the situation to the bank and negotiate. If you are indeed unable to repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason. Prove that you are not malicious in refusing to repay, but there is indeed a reason. Discuss whether you can delay the repayment. Do not ignore the bank by changing your phone number. , this way my personal credit is gone, unless I will never deal with banks again.
In real life, if there are overdrafts on credit cards and long-term non-payment, etc., they can be resolved through litigation. But it is also necessary to judge whether it belongs to the category of joint debt between husband and wife. If it can be judged that it is indeed the joint property of husband and wife, both husband and wife need to bear the responsibility for repayment. Otherwise, only one of the parties needs to bear the responsibility for repayment.