1. What if my husband doesn't return the credit card?

You can choose to repay by installments or set a minimum repayment limit. If your husband owes 300,000 credit cards, it is serious after all. As a cardholder, you can also apply to the bank for "stop paying interest" and negotiate with the bank to sign a personalized repayment agreement acceptable to both parties. At present, the maximum repayment period is five years. During this period, banks will not charge their own interest or reduce most of the interest.

1. installment repayment: Credit cards can support up to 24 installments of bills, and users can reasonably solve the current financial pressure after the installment of bills. Although they will charge a certain installment fee, sharing it equally every month will also ease the economic pressure for users to take out a large amount of funds at one time.

2. Minimum repayment amount: The minimum repayment amount of a credit card is generally 65438+ 00% of the bill. As long as the user pays the minimum repayment amount before the repayment date, it is considered as normal repayment, so the user can make the minimum repayment amount when the repayment date comes, so as not to cause his credit card to be overdue.

3. Give it to your family: If you really can't get the credit card, you can give it to your family first. After all, the consequences of overdue credit cards are very serious. Users first need to ensure that their credit cards will not expire.

Second, how to deal with long-term non-repayment of credit cards?

You can apply for a payment order if you haven't returned your credit card. Applying for a payment order is one of the effective ways to recover the arrears. Creditors requesting credit card debtors to pay money or securities may apply to the grassroots people's court with jurisdiction for a payment order if they meet the following conditions:

(1) There are no other debt disputes between creditors and credit card debtors;

(2) Payment orders can be delivered to credit card debtors;

(3) The application shall clearly state the amount of money or securities requested and the facts and evidence on which it is based.

The creditor ordered the credit card debtor to pay off the credit card debt within 15 days from the date of receiving the payment order, or filed a written objection with the people's court. If the credit card debtor fails to raise an objection and fulfill the payment order within 15 days, the people's court may, upon the application of the creditor.

It can be seen that the biggest advantage of applying to the people's court for a payment order to recover the arrears is that the time is short and the effect is quick. Of course, if the credit card debtor raises a written objection to the people's court within the statutory time, it must be handled through litigation. This can protect the creditor's rights in credit card debt disputes.

Husband's credit card debt has not been paid back, so you can negotiate with the bank. If the bank can't receive the cardholder's credit card repayment, it can apply to the court for a payment order, which is also an effective way to collect debts. If the debtor can't return the credit card in time in a short time, he can negotiate with the bank first, explain his actual situation and ask for deferred repayment or installment repayment.