夫妻一方透支信用卡，你欠债我也有份儿？丨天府小妹微普法栏目第104期
<div class="wx_rich_media_content" id="jsWxContainer"><section data-role="outer" label="Powered by 135editor.com"><section data-role="outer" style='box-sizing: border-box;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;'><section data-role="paragraph" style='box-sizing: border-box;'><section data-role="outer" style='max-width: 100%; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important;'><section data-role="paragraph" style='max-width: 100%; box-sizing: border-box !important;'><section style='padding: 10px; max-width: 100%; background-color: rgb(179, 213, 219); box-sizing: border-box !important;'><section style='max-width: 100%; border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; text-align: center; color: rgb(255, 255, 255); box-sizing: border-box !important;'><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 15px; font-family: 微软雅黑, "Microsoft YaHei"; box-sizing: border-box !important;'>学法守法，构建和谐家庭</span></p><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 15px; font-family: 微软雅黑, "Microsoft YaHei"; box-sizing: border-box !important;'>这里是四川省妇联联合</span></p><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 15px; font-family: 微软雅黑, "Microsoft YaHei"; box-sizing: border-box !important;'>省委全面依法治省办，省司法厅，省妇儿工委办</span></p><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 15px; font-family: 微软雅黑, "Microsoft YaHei"; box-sizing: border-box !important;'>打造的<span style='max-width: 100%; letter-spacing: 0.5px; color: rgb(49, 133, 155); box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'>『天府小妹微普法』</strong></span>栏目</span></p><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><span style='max-width: 100%; color: rgb(49, 133, 155); font-size: 15px; font-family: 微软雅黑, "Microsoft YaHei"; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'>第104期</strong></span></p></section></section></section><section style='max-width: 100%; border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; vertical-align: middle; display: inline-block; overflow: hidden; box-sizing: border-box !important;'><svg xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 36 34.3" style='box-sizing:border-box;vertical-align: middle;width: 36px;' width="36"><g><path d="M12.5,7.2c0-0.9,2.4-4.3,2.1-4.8C14.4,1.9,10,4.6,9.4,4.3C8.8,4.1,5.6-0.3,5.3,0C4.6,0.8,5.6,5.5,5.4,6C5.1,6.5,0.2,7.7,0,8.5c-0.2,0.8,5.5,1.2,5.7,1.8c0.2,0.5,0,5.4,0.9,5.6c0.9,0.2,3.2-4.3,3.6-4.6c0.4-0.3,6.2,1,6.6,0.5C17.3,11.2,12.5,8.1,12.5,7.2z M14.1,10.8c-0.4,0.5-3.6-0.8-4.4-0.5C9,10.6,7.5,14.3,7,14.1C6.4,13.9,7.2,9.7,6.7,9s-3.3-0.3-3.4-1c-0.1-0.7,3-0.8,3.4-1.6C7.1,5.6,5.8,2.2,6.1,2c0.3-0.2,2.5,2.9,3,3.3c0.5,0.4,3.5-1.9,3.6-1.2c0.1,0.7-1.7,2.7-1.6,3.3C11.2,8,14.5,10.3,14.1,10.8z" fill="rgb(153, 134, 117)"></path><path d="M32.7,14.1c0,0,1-3.2,0.6-3.4c-0.4-0.1-2.8,1.8-2.8,1.8s-3.3-2.2-3.6-1.9c-0.3,0.3,1.3,3.8,1.3,3.8s-2.3,1.6-2.3,2.2c0.2,0.6,3.3-0.1,3.3-0.1s0.8,4.3,1.4,4.3s1.2-3.9,1.2-3.9s4.1-1,4.2-1.3C36.1,15.3,33.3,14.4,32.7,14.1z" fill="rgb(217, 162, 97)"></path><path d="M11,28.5c0,0-1.6-3.7-2.1-3.7c-0.5-0.1-1.5,3.7-1.5,3.7s-3.5-0.2-3.6,0.4c-0.1,0.6,3.1,1.9,3.1,1.9s-1.2,2.9-0.9,3.2c0.3,0.3,3.2-1.5,3.4-1.6c0.2-0.1,3.6,2.1,3.9,1.8c0.4-0.3-1.2-2.8-1.5-3.4c0,0,3-1.9,2.9-2.2C14.4,28.2,11,28.5,11,28.5z" fill="rgb(217, 162, 97)"></path></g></svg></section></section></section></section><section style='box-sizing: border-box; max-width: 100%; width: 15px; height: 15px;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='box-sizing: border-box; max-width: 100%; width: 5px; height: 5px; float: left; background-color: rgb(179, 213, 219);'><br style='max-width: 100%; box-sizing: border-box !important;'></section><section style='box-sizing: border-box; max-width: 100%; width: 5px; height: 5px; float: left; background-color: rgb(179, 213, 219);'><br style='max-width: 100%; box-sizing: border-box !important;'></section><section style='box-sizing: border-box; max-width: 100%; width: 5px; height: 5px; float: left; background-color: rgb(254, 255, 255);'><br style='max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important;'></section></section></section><section data-tools="135编辑器" data-id="89174" data-color="#5ba6ad" data-custom="#5ba6ad" style='max-width: 100%; letter-spacing: 0.544px; border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box !important;'><section style='margin: 10px auto; padding: 2px; max-width: 100%; border-width: 2px; border-style: solid; border-color: rgb(91, 166, 173); box-sizing: border-box !important;'><section style='padding: 15px; max-width: 100%; border-width: 1px; border-style: solid; border-color: rgb(91, 166, 173); box-sizing: border-box !important;'><section data-tools="135编辑器" data-id="32290" style='max-width: 100%; border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box !important;'><section style='margin-top: 5px; margin-bottom: 5px; max-width: 100%; clear: both; border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box !important;'><section style='max-width: 100%; border-top: 2.5px solid rgb(91, 166, 173); border-right-color: rgb(91, 166, 173); border-bottom-color: rgb(91, 166, 173); border-left-color: rgb(91, 166, 173); font-size: 1em; font-weight: inherit; text-decoration: inherit; color: rgb(254, 254, 254); box-sizing: border-box !important;'><section style='margin-top: 2px; max-width: 100%; border-width: 0px; border-style: initial; border-color: rgb(91, 166, 173); overflow: hidden; color: inherit; box-sizing: border-box !important;'><section style='max-width: 100%; display: inline-block; font-size: 1em; font-weight: inherit; text-align: inherit; text-decoration: inherit; color: inherit; border-color: rgb(91, 166, 173); font-family: inherit; box-sizing: border-box !important;'><section data-bcless="darken" data-brushtype="text" style='padding: 5px 10px; max-width: 100%; display: inline-block; line-height: 1.4em; height: 32px; vertical-align: top; float: left; color: inherit; border-color: rgb(54, 103, 108); background: rgb(91, 166, 173); font-family: inherit; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 15px; box-sizing: border-box !important;'><strong>本期内容</strong></span></section><section style='box-sizing: border-box; max-width: 100%; display: inline-block; vertical-align: top; width: 0px; height: 32px; border-top: 32px solid rgb(91, 166, 173); border-right: 32px solid transparent; border-top-right-radius: 4px; border-bottom-left-radius: 2px; color: inherit; overflow: hidden;'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section></section></section></section></section><p style='max-width: 100%; min-height: 1em; line-height: 1.75em; letter-spacing: 2px; box-sizing: border-box !important;'><span style='max-width: 100%; color: rgb(63, 63, 63); font-size: 15px; box-sizing: border-box !important;'>■ <span style='max-width: 100%;caret-color: rgb(255, 0, 0);letter-spacing: 1.5px;font-family: 微软雅黑, Arial, sans-serif;'>一、债务案例</span></span></p><p style='max-width: 100%; min-height: 1em; line-height: 1.75em; letter-spacing: 2px; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 15px; box-sizing: border-box !important;'><span style='max-width: 100%; color: rgb(63, 63, 63); box-sizing: border-box !important;'>■ </span><span style='max-width: 100%; caret-color: rgb(255, 0, 0); color: rgb(63, 63, 63); letter-spacing: 1.5px; font-family: 微软雅黑, Arial, sans-serif; box-sizing: border-box !important;'>二、法律依据</span></span></p><p style='max-width: 100%; min-height: 1em; line-height: 1.75em; letter-spacing: 2px; box-sizing: border-box !important;'><span style='max-width: 100%; caret-color: rgb(255, 0, 0); font-size: 15px; color: rgb(63, 63, 63); letter-spacing: 1.5px; font-family: 微软雅黑, Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; box-sizing: border-box !important;'>■ </span><span style='max-width: 100%; box-sizing: border-box !important;'>三、案例解析</span></span></p></section></section></section><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box !important;'><section style='margin-top: 10px; margin-bottom: 10px; max-width: 100%; text-align: center; box-sizing: border-box !important;'><section><section><br></section><p><br></p></section><section style='box-sizing: border-box; max-width: 100%; vertical-align: middle; display: inline-block; width: 100%; overflow-y: hidden; overflow-x: hidden !important;'><svg xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 1214.3 197" style='box-sizing:border-box;vertical-align: middle;width: 100%;' width="100%"><g><g><g><path d="M737.6,129.2H479.3L608.4,0L737.6,129.2z M495.7,122.4h225.5L608.4,9.6L495.7,122.4z" fill="rgb(204,146,94)"></path></g><g><path d="M669.4,129.2H547.5l60.9-60.9L669.4,129.2z M563.9,122.4h89l-44.5-44.5L563.9,122.4z" fill="rgb(204,146,94)"></path></g><g><polygon points="609.3,128.2 604.5,123.3 692.9,34.9 781.4,123.3 776.6,128.2 692.9,44.5" fill="rgb(204,146,94)"></polygon></g><g><path d="M858.1,129.2h-80.6l40.3-40.3L858.1,129.2z M793.9,122.4h47.7l-23.9-23.9L793.9,122.4z" fill="rgb(204,146,94)"></path></g><g><path d="M436.1,129.2h-80.6l40.3-40.3L436.1,129.2z M372,122.4h47.7l-23.9-23.9L372,122.4z" fill="rgb(204,146,94)"></path></g><g><polygon points="605.1,128.2 521.5,44.5 437.8,128.2 433,123.3 521.5,34.9 609.9,123.3" fill="rgb(204,146,94)"></polygon></g><g><g><rect x="775.7" y="122.4" width="223.9" height="6.8" fill="rgb(204,146,94)" style='box-sizing:border-box;width: 223.9px;'></rect></g><g><rect x="214.7" y="122.4" width="223.9" height="6.8" fill="rgb(204,146,94)" style='box-sizing:border-box;width: 223.9px;'></rect></g></g><g><g><g><rect x="875.8" y="99.6" width="73.1" height="6.8" fill="rgb(204,146,94)" style='box-sizing:border-box;width: 73.1px;'></rect></g></g><g><g><rect x="265.4" y="99.6" width="73.1" height="6.8" fill="rgb(204,146,94)" style='box-sizing:border-box;width: 73.1px;'></rect></g></g></g></g><g><rect y="190.2" width="1214.3" height="6.8" fill="rgb(204,146,94)" style='box-sizing:border-box;width: 1214.3px;'></rect></g><g><rect x="202.1" y="159.8" width="810.2" height="6.8" fill="rgb(204,146,94)" style='box-sizing:border-box;width: 810.2px;'></rect></g></g></svg></section></section></section><section style='max-width: 100%; border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; font-size: 15px; line-height: 1.3; color: rgb(204, 146, 94); text-align: center; letter-spacing: 1px; box-sizing: border-box !important;'><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'>本期讲师</strong></span></p><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><br></p></section></section></section></section></section></section><p style='text-align:justify;line-height: 2em;letter-spacing: 1.5px;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box;height: auto !important;'></span></p><section data-tools="135编辑器" data-id="103203" style='box-sizing: border-box;'><section hm_fix="421:321" style='margin: 10px auto;text-align: center;box-sizing: border-box;'><section style='background-color: #e8ecfe;border-radius: 15px;box-sizing: border-box;'><section style='margin-bottom: 8px;padding-top: 10px;padding-right: 30px;padding-left: 30px;display: flex;justify-content: space-between;align-items: center;box-sizing: border-box;'><section style='box-sizing:border-box;width: 18px;'><br></section><section style='box-sizing:border-box;width: 18px;'><br></section></section><section style='padding: 10px 30px;background-color: #f4f6ff;border-radius: 0px 0px 15px 15px;box-shadow: #e8ecfe 0px 6px 0px 0px;box-sizing: border-box;'><section data-autoskip="1" style='text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(115, 130, 174); box-sizing: border-box;'><p style='line-height: 2em;'><span style='font-size: 15px;color: #3f3f3f;'>王雪，四川元绪律师事务所专职律师，四川省律师协会公益委委员。</span></p></section></section></section></section></section><section data-role="paragraph" style='box-sizing: border-box;'><p><br></p></section><section data-tools="135编辑器" data-id="101492" style='box-sizing: border-box;'><section style='box-sizing:border-box;margin: 10px auto;width: 45px;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box;width: 100%;display: block;height: auto !important;'><br></span></section></section><p style='text-align:justify;line-height: 2em;letter-spacing: 1.5px;'><br></p><section data-tools="135编辑器" data-id="103149" style='box-sizing: border-box;'><section style='margin: 10px auto; box-sizing: border-box;'><section style='margin-top: -3px;display: flex;justify-content: center;align-items: center;box-sizing: border-box;'><section style='box-sizing: border-box; margin-right: -1px; width: 1px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; height: 100px; flex-shrink: 0; overflow: hidden; transform: rotate(0deg);'><br></section><section style='border-width: 1px;border-style: solid;border-color: #b2cffc;box-sizing: border-box;'><section hm_fix="331:609" style='padding: 1em;box-sizing: border-box;'><section data-autoskip="1" style='text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(103, 159, 246); background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;'><p style='line-height: 2em;'><span style='color: rgb(63, 63, 63);font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>近年来，随着社会的发展，人们的消费方式也发生了转变，提前消费成为了常态，花呗、信用卡等支付方式便捷了人们的生活，但同时也引发了一些问题。最近，连续接到多起夫妻一方信用卡账单是否属于夫妻共同债务的咨询。今天我们邀请王雪律师和大家一起聊聊关于“信用卡债务”是否需要夫妻双方共同承担的问题。</span></p></section></section></section><section style='box-sizing: border-box; margin-left: -1px; width: 1px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; height: 100px; flex-shrink: 0; overflow: hidden;'><br></section></section></section></section><p style='text-align:justify;line-height: 2em;letter-spacing: 1.5px;'><br></p><section data-tools="135编辑器" data-id="103208" style='box-sizing: border-box;'><section hm_fix="421:321" style='margin: 10px auto;text-align: center;box-sizing: border-box;'><section style='box-sizing: border-box;'><section style='display: inline-block;box-sizing: border-box;'><section style='margin-top: 10px;display: flex;justify-content: center;align-items: center;box-sizing: border-box;'><section style='box-sizing:border-box;width: 50px;height: 1px;overflow: hidden;'><br></section><section style='box-sizing:border-box;margin-left: 10px;width: 7px;height: 7px;border-radius: 50%;background-color: #e8ecfe;overflow: hidden;'><br></section><section style='margin-right: 10px;margin-left: 10px;display: inline-block;box-sizing: border-box;'><section data-brushtype="text" style='margin-bottom: -6px;padding-right: 5px;padding-left: 5px;color: #4c79ff;font-size: 16px;box-sizing: border-box;'><strong>案例：</strong></section><section data-width="100%" style='box-sizing:border-box;width: 100%;height: 10px;background-color: #edeffe;overflow: hidden;'><br></section></section><section style='box-sizing:border-box;margin-right: 10px;width: 7px;height: 7px;border-radius: 50%;background-color: #e8ecfe;overflow: hidden;'><br></section><section style='box-sizing:border-box;width: 50px;height: 1px;overflow: hidden;'><br></section></section></section></section><section data-autoskip="1" style='margin-top: 20px; padding: 20px 30px; box-shadow: rgb(232, 236, 254) 0px 8px 0px 0px; background-color: rgb(244, 246, 255); text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(115, 130, 174); box-sizing: border-box;'><p style='line-height: 2em;'><span style='color: rgb(63, 63, 63);font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>李某（女）与陈某（男）2019年1月1日结婚，婚后两人过着简单朴实的生活。2020年3月，陈某在多家银行分别申领了额度5万元的信用卡。2020年12月，李某偶然间看到了陈某的多张信用卡催收账单，仔细一看，账单明细五花八门，有超市、医院的，也有高档餐厅、高档商场等消费场所的。</span></p></section></section></section><p style='text-align:justify;line-height: 2em;letter-spacing: 1.5px;'><br></p><section data-id="103243" data-tools="135编辑器" style='box-sizing: border-box;'><section style='margin: 10px auto;box-sizing: border-box;'><section style='display: inline-block;box-sizing: border-box;'><section data-brushtype="text" style='padding: 8px 12px;border-radius: 4px;background-color: #aec1eb;font-size: 16px;letter-spacing: 1.5px;color: #ffffff;box-sizing: border-box;'><strong>李某来咨询：</strong></section><section style='box-sizing:border-box;margin-left: 17px;width: 0px;height: 1px;border-top: 8px solid #aec1eb;border-left: 8px solid transparent;overflow: hidden;'><br></section></section><section data-brushtype="text" hm_fix="314:540" style='margin-top: 5px;padding: 10px 20px;border-width: 0.5px;border-style: solid;border-color: #aec1eb;border-radius: 8px;background-color: #f2f5ff;line-height: 1.75em;letter-spacing: 1.5px;font-size: 16px;color: #4a91cf;box-sizing: border-box;'><span style='font-size: 15px;'><strong>如果陈某不能按时归还上述债务，自己是否需要承担偿还责任？</strong></span></section></section></section><section data-tools="135编辑器" data-id="86005" style='box-sizing: border-box;'><section data-autoskip="1" style='margin-bottom: 16px;padding: 16px;overflow: auto;font-size: 15px;line-height: 1.45;border-radius: 3px;overflow-wrap: normal;box-sizing: border-box;background-color: #f7f7f7;'><p style='text-align:justify;line-height: 2em;'><span style='color: rgb(63, 63, 63);letter-spacing: 1.5px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>本案中主要涉及的法律问题是：夫妻一方在婚姻关系存续期间的信用卡消费，是否属于夫妻共同债务？</span></p></section></section><section data-role="paragraph" style='box-sizing: border-box;'><p><br></p></section><section data-tools="135编辑器" data-id="101203" style='box-sizing: border-box;'><section style='margin: 10px auto; box-sizing: border-box;'><section style='box-sizing: border-box;'><section style='box-sizing: border-box;'><section style='display: flex;justify-content: flex-end;align-items: center;box-sizing: border-box;'><section data-width="60%" style='box-sizing:border-box;width: 60%;height: 15px;background: #f3f6ff;overflow: hidden;'><br></section></section><section style='margin-top: -22px;display: flex;justify-content: flex-start;align-items: center;box-sizing: border-box;'><section data-brushtype="text" style='padding: 4px 0em;font-size: 16px;letter-spacing: 1.5px;color: #8891cc;box-sizing: border-box;'><strong>法律依据：</strong></section></section></section><section style='display: flex;justify-content: flex-start;align-items: center;box-sizing: border-box;'><section data-width="70%" style='box-sizing:border-box;width: 70%;height: 2px;background: #adafe1;overflow: hidden;'><br></section></section></section><section style='margin-top: 1em;display: flex;justify-content: center;align-items: center;box-sizing: border-box;'><section style='margin-right: 10px;align-self: flex-end;box-sizing: border-box;'><section style='box-sizing:border-box;width: 1px;height: 150px;background: #adafe1;overflow: hidden;'><br></section></section><section style='flex: 1 1 0%;box-sizing: border-box;'><section data-width="100%" style='box-sizing:border-box;width: 100%;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box;height: auto !important;'></span></section></section></section><section style='margin-right: 10px;align-self: flex-end;box-sizing: border-box;'><section style='box-sizing:border-box;width: 1px;height: 10px;background: #adafe1;overflow: hidden;'><br></section></section><section style='padding: 10px;border-right: 1px solid #adafe1;border-bottom: 1px solid #adafe1;border-left: 1px solid #adafe1;border-top: none;box-sizing: border-box;'><section data-autoskip="1" style='padding: 1em; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(136, 145, 204); background: rgb(243, 246, 255);'><p style='max-inline-size: 100%; min-height: 1em; cursor: text; color: rgb(0, 0, 0); font-size: 17px; caret-color: rgb(255, 0, 0); line-height: 2em; font-family: 微软雅黑, Arial, sans-serif; box-sizing: border-box !important; outline: none 0px !important;'><span style='max-inline-size: 100%;cursor: text;font-size: 15px;color: #3f3f3f;box-sizing: border-box !important;outline: none 0px !important;'>2021年1月1日实施的《中华人民共和国民法典》第1064条规定：夫妻双方共同签名或者夫妻一方事后追认等共同意思表示所负的债务，以及夫妻一方在婚姻关系存续期间以个人名义为家庭日常生活需要所负的债务，属于夫妻共同债务。</span></p><p style='max-inline-size: 100%; min-height: 1em; cursor: text; color: rgb(0, 0, 0); font-size: 17px; caret-color: rgb(255, 0, 0); line-height: 2em; font-family: 微软雅黑, Arial, sans-serif; box-sizing: border-box !important; outline: none 0px !important;'><span style='max-inline-size: 100%;cursor: text;font-size: 15px;color: #3f3f3f;box-sizing: border-box !important;outline: none 0px !important;'>夫妻一方在婚姻关系存续期间以个人名义超出家庭日常生活需要所负的债务，不属于夫妻共同债务；但是,债权人能够证明该债务用于夫妻共同生活、共同生产经营或者基于夫妻双方共同意思表示的除外。</span></p></section></section></section></section><p style='text-align:justify;line-height: 2em;letter-spacing: 1.5px;'><br></p><section data-tools="135编辑器" data-id="101203" style='box-sizing: border-box;'><section style='margin: 10px auto; box-sizing: border-box;'><section style='box-sizing: border-box;'><section style='box-sizing: border-box;'><section style='display: flex;justify-content: flex-end;align-items: center;box-sizing: border-box;'><section data-width="60%" style='box-sizing:border-box;width: 60%;height: 15px;background: #f3f6ff;overflow: hidden;'><br></section></section><section style='margin-top: -22px;display: flex;justify-content: flex-start;align-items: center;box-sizing: border-box;'><section data-brushtype="text" style='padding: 4px 0em;font-size: 16px;letter-spacing: 1.5px;color: #8891cc;box-sizing: border-box;'><strong>法条解读：</strong></section></section></section><section style='display: flex;justify-content: flex-start;align-items: center;box-sizing: border-box;'><section data-width="70%" style='box-sizing:border-box;width: 70%;height: 2px;background: #adafe1;overflow: hidden;'><br></section></section></section><section style='margin-top: 1em;display: flex;justify-content: center;align-items: center;box-sizing: border-box;'><section style='margin-right: 10px;align-self: flex-end;box-sizing: border-box;'><section style='box-sizing:border-box;width: 1px;height: 150px;background: #adafe1;overflow: hidden;'><br></section></section><section style='flex: 1 1 0%;box-sizing: border-box;'><section data-width="100%" style='box-sizing:border-box;width: 100%;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box;height: auto !important;'></span></section></section></section><section style='margin-right: 10px;align-self: flex-end;box-sizing: border-box;'><section style='box-sizing:border-box;width: 1px;height: 10px;background: #adafe1;overflow: hidden;'><br></section></section><section style='padding: 10px;border-right: 1px solid #adafe1;border-bottom: 1px solid #adafe1;border-left: 1px solid #adafe1;border-top: none;box-sizing: border-box;'><section data-autoskip="1" style='padding: 1em; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(136, 145, 204); background: rgb(243, 246, 255);'><p style='line-height: 2em;'><span style='color: rgb(63, 63, 63);font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>根据上述规定，在司法实践中，信用卡债务是否为夫妻共同债务的认定原则是 “信用卡消费是否主要用于家庭共同生活”或“夫妻双方是否认可”。符合上述原则之一，则可以认定为夫妻共同债务。</span></p></section></section></section></section><p style='text-align:justify;line-height: 2em;letter-spacing: 1.5px;'><br></p><section data-tools="135编辑器" data-id="103149" style='box-sizing: border-box;'><section style='margin: 10px auto; box-sizing: border-box;'><section style='display: flex;justify-content: center;align-items: center;box-sizing: border-box;'><section style='box-sizing:border-box;width: 50px;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box;width: 100%;display: block;height: auto !important;'><br></span></section></section><section style='margin-top: -3px;display: flex;justify-content: center;align-items: center;box-sizing: border-box;'><section style='box-sizing: border-box; margin-right: -1px; width: 1px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; height: 100px; flex-shrink: 0; overflow: hidden; transform: rotate(0deg);'><br></section><section style='border-width: 1px;border-style: solid;border-color: #b2cffc;box-sizing: border-box;'><section hm_fix="331:609" style='padding: 1em;box-sizing: border-box;'><section data-autoskip="1" style='text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(103, 159, 246); background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;'><p style='line-height: 2em;'><span style='color: #5291de;'><strong><span style='font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>“信用卡消费是否主要用于家庭共同生活”</span></strong></span><span style='color: rgb(63, 63, 63);font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>指的是信用卡债务主要是基于夫妻家庭共同生活的需要而产生的支出。主要包含以下几个方面：</span></p><p style='line-height: 2em;'><span style='color: #5291de;'><strong><span style='font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>一是</span></strong></span><span style='color: rgb(63, 63, 63);font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>维持家庭日常生活的费用。日常生活的认定范围可以参考食品、衣着、家庭设备用品及维修服务、医疗保健、交通通信、文娱教育及服务、居住、其他商品和服务八大类城镇居民家庭消费种类。在此再根据夫妻共同生活的状态(如双方的职业、身份、资产、收入、兴趣、家庭人数等)和当地一般社会生活习惯予以认定。</span></p><p style='line-height: 2em;'><span style='color: #5291de;'><strong><span style='font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>二是</span></strong></span><span style='color: rgb(63, 63, 63);font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>因共有财产的管理、使用、收益和处分而产生的费用。</span></p><p style='line-height: 2em;'><span style='color: #5291de;'><strong><span style='font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>三是</span></strong></span><span style='color: rgb(63, 63, 63);font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>其他发生在日常生活中的应由双方共同负担的其他债务。</span></p></section></section></section><section style='box-sizing: border-box; margin-left: -1px; width: 1px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; height: 100px; flex-shrink: 0; overflow: hidden;'><br></section></section></section></section><p style='text-align:justify;line-height: 2em;letter-spacing: 1.5px;'><br></p><p style='text-align:center;line-height: 2em;letter-spacing: 1.5px;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box;height: auto !important;'></span></p><section data-tools="135编辑器" data-id="103208" style='box-sizing: border-box;'><section hm_fix="421:321" style='margin: 10px auto;text-align: center;box-sizing: border-box;'><section data-autoskip="1" style='margin-top: 20px; padding: 20px 30px; box-shadow: rgb(232, 236, 254) 0px 8px 0px 0px; background-color: rgb(244, 246, 255); text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(115, 130, 174); box-sizing: border-box;'><p style='line-height: 2em;'><span style='color: #4588d9;'><strong><span style='font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>“夫妻双方是否认可”</span></strong></span><span style='color: rgb(63, 63, 63);font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>指的是虽然夫妻一方的信用卡债务不是基于夫妻家庭共同生活的需要产生，但另一方认同该开支的，也可认定为夫妻共同债务。</span></p></section></section></section><p style='text-align:justify;line-height: 2em;letter-spacing: 1.5px;'><br></p><section data-tools="135编辑器" data-id="94817" style='box-sizing: border-box;'><section data-width="100%" style='box-sizing:border-box;margin: 1em auto;width: 100%;'><section style='padding-left: 6px;border-left: 6px solid #5567a3;box-sizing: border-box;'><section data-brushtype="text" data-bgless="fadeout" data-bglessp="60%" style='padding: 2px 12px;background: #cccef0;display: inline-block;letter-spacing: 1.5px;font-size: 16px;'>案例解析：</section></section><section style='padding-left: 5px;box-sizing: border-box;'><section style='border-bottom: 1px solid #d0d0d0;border-left: 1px solid #d0d0d0;border-top: none;border-right: none;box-sizing: border-box;'><section data-autoskip="1" hm_fix="348:619" style='padding: 1em; letter-spacing: 1.5px; line-height: 1.75em; box-sizing: border-box;'><p style='line-height: 2em;'><span style='color: rgb(63, 63, 63);font-size: 15px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Arial, sans-serif;'>本案中，陈某在其父亲住院期间，通过信用卡支付的医疗费、超市购物以及给妻儿购买衣物等开销，符合“信用卡消费主要用于家庭共同生活”，属于夫妻共同债务，李某需要对此承担责任。但陈某出入高档商场购买奢侈品产生的开销，李某若有证据证明自己对此大笔开销事先不知情不认同，且该开销不属于家庭开支，那么该部分的债务，不属于夫妻共同债务，李某不需要对此承担责任。</span></p></section></section><section style='box-sizing:border-box;width: 1.2em;background: #5567a3;height: 6px;float: right;overflow: hidden;'><br></section><section style='clear: both;height: 0px;overflow: hidden;box-sizing: border-box;'><br></section></section></section></section><p style='text-align:justify;line-height: 2em;letter-spacing: 1.5px;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box;height: auto !important;'></span></p><section data-id="103243" data-tools="135编辑器" style='box-sizing: border-box;'><section style='margin: 10px auto;box-sizing: border-box;'><section style='display: inline-block;box-sizing: border-box;'><section data-brushtype="text" style='padding: 8px 12px;border-radius: 4px;background-color: #aec1eb;font-size: 16px;letter-spacing: 1.5px;color: #ffffff;box-sizing: border-box;'><strong>需要提醒大家的是：</strong></section><section style='box-sizing:border-box;margin-left: 17px;width: 0px;height: 1px;border-top: 8px solid #aec1eb;border-left: 8px solid transparent;overflow: hidden;'><br></section></section><section data-brushtype="text" hm_fix="314:540" style='margin-top: 5px;padding: 10px 20px;border-width: 0.5px;border-style: solid;border-color: #aec1eb;border-radius: 8px;background-color: #f2f5ff;line-height: 1.75em;letter-spacing: 1.5px;font-size: 16px;color: #4a91cf;box-sizing: border-box;'><span style='font-size: 15px;'><p style='text-align:justify;max-inline-size: 100%;min-height: 1em;cursor: text;color: rgb(0, 0, 0);font-size: 17px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: 微软雅黑, Arial, sans-serif;box-sizing: border-box !important;outline: none 0px !important;'><span style='max-inline-size: 100%;cursor: text;font-size: 15px;color: #3f3f3f;box-sizing: border-box !important;outline: none 0px !important;'>信用卡逾期产生的不良信用记录虽然只会记在持卡人一人名下，但在夫妻关系存续期间，夫妻一方由于信用卡逾期产生的不良信用记录也会对另一方申请贷款等行为产生影响。比如丈夫因信用卡逾期产生了不良信用记录，妻子以个人名义申请房贷也会受到影响，甚至可能贷款被拒。</span></p><p style='text-align:justify;max-inline-size: 100%;min-height: 1em;cursor: text;color: rgb(0, 0, 0);font-size: 17px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: 微软雅黑, Arial, sans-serif;box-sizing: border-box !important;outline: none 0px !important;'><br></p><p style='text-align:justify;max-inline-size: 100%;min-height: 1em;cursor: text;color: rgb(0, 0, 0);font-size: 17px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: 微软雅黑, Arial, sans-serif;box-sizing: border-box !important;outline: none 0px !important;'><span style='max-inline-size: 100%;cursor: text;font-size: 15px;color: #3f3f3f;box-sizing: border-box !important;outline: none 0px !important;'>以上关于夫妻共同债务的相关规定，不仅适用于夫妻一方的信用卡消费，同时也适用于夫妻一方的借款行为。为避免夫妻一方“被负债”的情况出现，建议在夫妻关系存续期间需要就文件进行签字时慎重考虑，或在被负债后及时搜集不属于夫妻共同债务的证据。</span></p></span></section></section></section></section><section data-role="paragraph" style='box-sizing: border-box;'><section data-tools="135编辑器" data-id="97177" style='max-width: 100%; letter-spacing: 0.544px; text-align: center; text-indent: 43px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important;'><section style='margin: 10px auto; padding: 10px; max-width: 100%; background: rgb(253, 231, 234); box-sizing: border-box !important;'><section style='padding-right: 1em; padding-left: 1em; max-width: 100%; box-sizing: border-box; border-width: 2px; border-style: solid; border-color: rgb(255, 255, 255); box-shadow: rgb(251, 131, 143) 0px 0px 10px inset; background-color: rgb(255, 245, 246);'><section style='padding-top: 1em;padding-bottom: 1em;max-width: 100%;box-sizing: border-box;display: flex;justify-content: space-between;align-items: center;https://mmbiz.qpic.cn/mmbiz_png/YUyZ7AOL3okYPKUV3MuqDSdjlBVkkXTZIia1UEicLqPibpmLE6kknic9qs75l1uYSCefR8TYd6A2T5pEQK06s5yHicQ/640?wx_fmt=png");background-size: 40px;background-position: 0% 100%;background-repeat: no-repeat;overflow-wrap: break-word !important;'><section style='margin-left: 10px; max-width: 100%; letter-spacing: 1.5px; font-size: 18px; box-sizing: border-box !important;'><section data-brushtype="text" style='max-width: 100%; color: rgb(250, 133, 133); text-align: left; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'>齐心抗疫</strong></section><section data-brushtype="text" style='margin-top: 10px; margin-left: 40px; max-width: 100%; color: rgb(250, 133, 133); text-align: left; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'> 与你同在</strong></section></section><section style='box-sizing: border-box; max-width: 100%; width: 100px; transform: rotate(0deg);'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box;display: block;width: 100%;overflow-wrap: break-word !important;visibility: visible !important;height: auto !important;'></span></section></section></section></section></section><section data-role="paragraph" style='max-width: 100%; letter-spacing: 0.544px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important;'><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><span style='max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 1px; text-indent: 0em; caret-color: red; font-family: 微软雅黑; box-sizing: border-box !important;'>编辑 | 王亚玲</span></p></section><section style='max-width: 100%; letter-spacing: 0.54px; text-indent: 43px; min-height: 1em; line-height: 1.75em; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important;'><p style='max-width: 100%; min-height: 1em; letter-spacing: 1px; line-height: 1.75em; text-indent: 0em; box-sizing: border-box !important;'><br></p></section></section></section></section></div><p></p> 夫妻是一体的 超前消费要不得 现在没有晚八点红包了是不是 谢谢河友分享的法律知识。 学法，知法，懂法，我们的生活与法律息息相关。 通天教主 发表于 2023-10-8 13:09超前消费要不得
对的呀，计划开支，理性消费。 我不喜欢用信用卡 我们家一般都是计划着来 谢谢普法