First, my husband owes money on his credit card. Does the wife have an obligation?
A wife is not necessarily obliged to repay the credit card debt owed by her husband. That is, if the debt is used for the common life of husband and wife or the daily life of husband and wife's family, it is generally recognized as the joint debt of husband and wife and is repaid by the wife. But if it belongs to the man's personal debt, the wife should not pay it back.
2. What happens when a credit card is sued for overdue?
1, continuous dunning by the bank
(1) When the borrower's repayment is overdue, the customer service center of the bank credit card will call several times first;
(2) If the payment is still unpaid, the bank will entrust a third party to collect it, usually through continuous telephone calls, text messages or even door-to-door collection;
(3) After repeated dunning, the bank will sue to the court.
2. Being sued by the bank, unable to apply for a loan.
Cardholders will be added to the credit blacklist and cannot apply for loans. The court will collect the loan. After receiving the court summons, after investigation and persuasion, urge the cardholder to repay. However, if the cardholder refuses to repay, the court can take enforcement. Subsequently, the court will realize the cardholder's assets to repay the card debt and freeze the related property.
3. Malicious breach of contract, facing jail and fines.
(1) A credit card overdue for three months can be regarded as a malicious overdraft penalty, but if you communicate with the bank in advance to prove your repayment ability and repayment plan, you will generally not face criminal responsibility.
(2) However, the cardholder who refuses to return the card after the court's judgment may face the consequences of three years' imprisonment and a fine if the circumstances are serious, especially if the circumstances are serious, he will face a longer imprisonment of three to seven years and pay a fine.
Reminder: Professional problems are recommended to be solved by professional people. If you encounter problems such as how to repay the credit card, use the minimum repayment function to change the billing date to extend the repayment period. Avoid damaging your credit information beyond the time limit. For the specific solution, please click the consultation button below to communicate with lawyers one-on-one and get the "solution".