Whether the bank will freeze the wife’s bank account due to the credit card debt owed by the husband before marriage needs to be dealt with based on the actual situation. If the overdraft credit card is during the marriage, the debt is the same debt, and the bank cards of both parties will be frozen. However, this is excepted if one spouse can prove that the creditor and debtor have clearly agreed that the debt is a personal debt. Or the woman has evidence to prove that the debt was not used for the husband and wife's living together.

1. Will the bank freeze the wife’s bank account for the credit card debt owed by the husband before marriage?

1. Whether the bank will freeze the wife’s bank account for the credit card debt owed by the husband before marriage depends on the Handle the actual situation. If the overdraft credit card is during the marriage, the debt is the same debt, and the bank cards of both parties will be frozen. However, this is excepted if one spouse can prove that the creditor and debtor have clearly agreed that the debt is a personal debt. Or the woman has evidence to prove that the debt was not used for the husband and wife's living together.

2. Legal basis: Article 1064 of the "People's Republic of China and Civil Code"

The signature of both spouses or the subsequent ratification by one of the spouses, etc. The debts borne by the couple, as well as the debts borne by one spouse in his or her own name for the daily needs of the family during the marriage, are the debts of the couple. Debts borne by one spouse in his or her own name beyond the daily needs of the family during the marriage are not joint debts of the couple; however, the creditor can prove that the debt is used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses.

2. What are the new regulations on credit card debts of husband and wife?

The liability of husband and wife to repay the debt is a joint and several liability. Regardless of whether the parties are divorced, both parties must pay* **The debts of the same couple shall be settled with the property of the husband and wife together and their own property.

1. When determining that credit card debt is a joint debt of husband and wife, the main factor that the court considers is whether the credit card consumption is mainly used for the joint life of the family;

2. Secondly, it is the issue of claiming that credit card debt belongs to the same party as the debtor: when there are real consumption records, relevant original evidence, the consumption comes from the credit card, and the authenticity, legality and relevance of the evidence are all met , can be enough to prove that the credit card debt is the joint debt of husband and wife.