If the husband's credit card is overdue, if the money is used for family expenses, the wife is also responsible and jointly liable for compensation. According to the regulations, the debts jointly signed by the husband and wife or ratified by one party afterwards, as well as the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the joint debts of the husband and wife, and the wife shall bear the responsibility for repayment. On the contrary, if the wife has evidence to prove that the loan is not used for husband and wife to live together, she will not be liable for repayment. ←br \8592;
As a credit card holder, once he can't repay on time due to unemployment, illness or other unexpected circumstances, before the deadline for repayment comes, the cardholder should take the initiative to call the bank credit card center to state his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment and interest concessions. ←br \8592;
Consequences of overdue credit card: < < br >
1. If the payment is not made after 7 days, the bank will classify the loan as "dunning" and "deferred payment". At this point, the user must pay tax late fees or overdue interest; ←br \8592;
If the payment is overdue for more than 3 months, it will be very serious. Lenders will be marked with bad personal credit records in the joint credit information center, alias "credit blacklist", and it is likely to be kept for more than three years; ←br \8592;
3. Just entering the credit blacklist, making mortgage and car loan will be affected. Overdue interest is only a financial loss, and poor personal credit record is a loss of inventory, and its influence is irreparable by money. ←br \8592;
Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC), the debts jointly signed by the husband and wife or ratified by one party afterwards, and the debts incurred by one of the husband and wife in their own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife. ←br \8592;
Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife. ←br \8592;