I don't know which bank your husband's credit card belongs to. There are not many banks with their own professional asset management departments in China. Generally, credit card arrears are outsourced. If you think they are harassment, don't say anything more. Just block the phone directly. But because you are husband and wife, you are responsible for the debt, whether it is your lover or you, so it is best to deal with the debt as much as possible! Otherwise, it will be very troublesome for interest to continue to increase.

Extended data:

If the credit card is not paid, it will:

1, facing high overdue interest or liquidated damages.

2. Accept several collection stages of the bank, such as telephone collection and door-to-door interview of the Commissioner.

3. If the amount is enough, you will face the risk of being sued by the bank. If the court decides that the bank wins the case, it will also pay legal fees, attorney fees and huge fines. If the amount reaches more than 654.38 million yuan, it will also face jail time.

4. There will be a credit stain on personal credit information, which will affect future life and make it impossible to borrow money to buy a car or a house.

Good personal credit is a passport to apply for online loan products. On the contrary, if the borrower's online loan credit is too fancy or too dark, it will naturally be frustrated everywhere. If you want to improve your personal qualifications, you can learn about your current credit situation on WeChat "Early Know Data", get rid of bad loan application habits, and cover up your dishonesty with new good payment records, so that when you encounter economic crisis again, you will not find a way out and hit a wall again and again.

The best solution is to communicate directly with the bank, but only if you do have difficulties at present and can provide corresponding paper proof materials, so that the bank may give you interest-free installment payment, which is usually difficult to apply for, but it does exist.

Inconvenient full repayment has two ways for you to choose:

1. Billing installment (only for business cards, business cards (including financial business cards), purchase cards, ANA protection cards or supplementary cards): you can enjoy the interest-free period, but there is a handling fee. Handling fee per installment = total installment amount × handling fee rate per installment. The minimum handling fee for each period is 5 yuan, and the benchmark rates for each period are: 0.9% for the third period, 0.75% for the sixth period, 0.70% for 10, 0.66% for 12 and 0.68% for 18 respectively. Then the repayment amount of each installment is 800/6= 133.33 yuan, and the interest of each installment is 800*0.75%=6 yuan) For details, please log on to the credit card website/and click "Credit Management"-"Bill Installment" to inquire; It's really impossible to get cash in installments.

2. Minimum repayment amount: no handling fee but no interest-free period. If the minimum repayment amount is paid before the final repayment date, but less than the full amount, you cannot enjoy the interest-free repayment period. From the bookkeeping date (usually the day after consumption), interest will be charged on all consumption in the current period, with a daily interest rate of 0.5 ‰ until you pay it off in full.