1. Is the husband's credit card arrears related to his wife? There is no direct relationship. Legally speaking, credit cards are all personal. If there is no repayment, personal credit history will be stained. After a long time, it will be blacklisted by banks, and it will be impossible to handle loans and other businesses in banks for a long time. For those who owe money, the bank will exercise the right of dunning according to law. Simply put, it is all kinds of phone harassment and sending dunning letters. If the arrears are not paid and the amount is large, the bank will sue, and the intervention of the court may lead to fraud and imprisonment. If the money owed by the husband to the credit card is used for the husband and wife to live together, then it is related to the wife. Second, the relevant knowledge 1, if the bank agrees to repay the loan in installments, of course, it is best, but if the bank does not agree, it is recommended to repay the money as soon as possible. 2. If the amount owed reaches 1 10,000 yuan or more, and it has not been returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in criminal law and suspected of credit card fraud. 3. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law. 4. Legal basis: Article 196 of the Criminal Law stipulates that whoever commits credit card fraud or theft in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. If you encounter such problems, you should actively repay them so as not to bring trouble to your family. If you don't repay in bad faith, your problem will continue to worsen and you will be punished by relevant laws. More importantly, your legitimate interests cannot be practiced for a certain period of time, so you must pay attention to such problems.