after one of the spouses is sued by the bank, the user still refuses to repay the money, and court enforcement will only freeze the assets in the cardholder's name, but the spouse's bank card will not be affected. However, if the overdue amount of the credit card is used for family expenses, then this liability may become a joint liability of the husband and wife, which will also have an impact on the spouse.

Therefore, when the user's credit card is overdue, it is necessary to repay the arrears on time, so as to avoid affecting personal credit and spouse.

the debts that both husband and wife * * * sign the same name or one of them ratifies it afterwards, and the debts that one of the husband and wife owes for the daily needs of the family in his own name during the marriage relationship belong to the same debt of husband and wife.

The debts incurred by one of the husband and wife in their own name during the marriage relationship beyond the daily needs of the family do not belong to the same debts of the husband and wife; However, the creditor can prove that the debt is used for the husband and wife's * * * life, * * * production and operation, or based on the same meaning of both husband and wife.

Legal basis

Article 164 of the Civil Code of the People's Republic of China * * * Debts owed by the husband and wife * * * with the same signature or later ratification by one of the husband and wife, and debts owed by one of the husband and wife for the daily needs of the family in his own name during the marriage relationship belong to the same debt. The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family do not belong to the same debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's * * * life, * * * production and operation, or based on the same meaning of both husband and wife.