Legal analysis: after one party's credit card is overdue for divorce, it will not affect the children. During the relationship between husband and wife, the bad credit record of one spouse due to overdue credit cards will also have an impact on the other spouse's application for loans. For example, if the husband has a bad credit record because his credit card is overdue, the wife's application for a mortgage in her own name will also be affected, and even the loan will be refused. However, after the dissolution of the relationship between husband and wife, the adverse effects on the other party will be eliminated accordingly.

Legal basis: Article 1076 of the Civil Code of People's Republic of China (PRC) stipulates that if a husband and wife divorce voluntarily, they shall sign a written divorce agreement and apply for divorce registration in the marriage registration office in person. The divorce agreement shall specify the expression of willingness of both parties to divorce and the consensus on matters such as child support, property and debt disposal. Article 1079 If one of the spouses requests a divorce, the relevant organization may mediate or directly file a divorce lawsuit with the people's court. When trying divorce cases, the people's court shall conduct mediation; If the relationship has indeed broken down and mediation is ineffective, divorce should be granted. Divorce shall be granted if mediation fails under any of the following circumstances: (1) bigamy or cohabitation with others; (2) committing domestic violence or abusing or abandoning family members; (three) gambling, drug abuse and other bad habits; (four) separated for two years due to emotional discord; (5) Other circumstances that lead to the breakdown of the marriage relationship.