Will credit card debt affect my spouse? In fact, the key to whether a spouse owes a credit card and whether the other spouse is responsible for repayment depends on the nature of the credit card debt, which can be judged from four aspects. 1. Check whether the credit card debt is used for the joint life of the spouse. If it is used for the joint life of the family, it should be considered as a joint debt, and both spouses have the responsibility to repay it within the scope of the joint property. 2. If the spouse uses the credit card for personal business or expenses, such as buying luxury goods, eating, drinking, and having fun, then this is a personal debt, and the other spouse does not need to bear the responsibility for repayment. 3. If the credit card debt existed before the marriage, it is obviously a personal debt and will not implicate the spouse. The other party also does not have to bear the responsibility for repayment. 4. If the husband and wife have previously agreed on the distribution and ownership of property during the marriage, for example, the property is notarized, and then they sign an agreement saying that the property belongs to each person and the debts also belong to each person, in this case, there is a credit card debt during the marriage. It is also a personal debt, and the other party does not have to repay it.
How to protect yourself? In the first and second cases, you need to retrieve the credit card holder's credit card statement and consumption details to prove that the consumption was not used for the husband and wife's life together and is considered a personal debt. In the third case, the credit card statement is also called up. Judging based on the time when the consumption started, if it is earlier than before the marriage, it is also a personal debt. In the fourth case, just come up with the agreement agreed upon by both parties.