If the husband owes a credit card and fails to pay it back, the court will find someone and will not freeze his wife's bank card. The main impacts of overdue credit cards are as follows:

1, can't get a credit card;

2. Can't apply for a loan: If the personal credit record is bad and serious, you can't apply for a loan from any domestic bank;

3. Restrict the purchase of insurance and financial products;

4. Restrict online shopping of luxury goods;

5. Restrict children from attending private schools with high tuition fees;

6. Restrict the use of transportation: you can't choose planes, train soft sleepers, steamboat No.2 and above routes, and people with bad credit can't buy tourism and holiday products or book air tickets through the platform;

7. Restrict the rental of office buildings, hotels, apartments and other places;

8. Limit the high consumption of hotels, hotels, nightclubs and golf courses;

9. Restrict the purchase and operation of non-essential vehicles;

10. If the person subjected to execution is a natural person, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.

legal ground

Article 196th of the Criminal Law of People's Republic of China (PRC) has one of the following circumstances, which constitutes the crime of credit card fraud. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.