Legal analysis: No, the bank's credit information is personal, not family credit information. If it is a corporate loan or a personal loan, it will not be affected. However, if the married family applies for mortgage and car loan, and the wife applies for the above loans as the main lender, then the husband's credit information is not good, which will affect the wife's loan review results. The wife applied for a personal loan, so you only need to check the applicant's credit information. Husband's bad credit reporting is a personal act, and it will not affect his wife at this time. Moreover, after marriage, the husband has bad credit information, such as loans overdue, overdue credit cards, etc., and the wife also needs to bear these debts.

Legal basis: Article 1064 of the Civil Law of People's Republic of China (PRC) (hereinafter referred to as the Civil Law), the debts jointly signed by the husband and wife or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.