Credit reports are all for independent individuals. An overdue credit card of one spouse will not affect the other spouse. The credit cards of both spouses are independent of each other, and the applicants are independent individuals. Under normal circumstances, one spouse does not have much influence on the other spouse in the process of using the credit card. However, it should be noted that if there is a loan issue involving the same property of a husband and wife, such as a mortgage, a credit union loan, or other commercial loans that require double signatures, it will be adversely affected by the overdue credit card of one of the spouses. The credit cards of both spouses are independent of each other. Generally, one spouse does not have much influence on the other spouse in the process of using the credit card.

However, it should be noted that if there is a loan issue involving the same property of the husband and wife, such as a mortgage or other commercial loans, it will have adverse effects because one of the husband and wife's credit card is overdue.

General financial institutions will require the information of both spouses when approving a loan, including the personal credit reports of both spouses. Even if the spouse with good credit is the main borrower, it will be difficult for the other spouse to apply for a loan if his or her credit is poor and there are many overdue loans. For banks with strict application requirements, if one of the couple has bad credit due to an overdue credit card, it may be affected when applying for a loan. If the other party's credit is not overdue but only slightly overdue, the impact will not be great. However, if there are more than three consecutive months of non-repayment in the past two years, it will have a great impact and may even be directly rejected. If the bank is not very strict and the personal information of one party is submitted when applying for a credit card, the impact of overdue payment on the other party will not be great.

: The spouse with good credit is the primary borrower. However, if the other spouse has poor credit and has many overdue loans, the primary borrower will also be affected. Normally, when applying for a mortgage or other commercial loan, financial institutions will ask for information about both spouses, including their personal credit reports. If the applied amount is overdue, it will naturally affect the applicant's personal credit report.

Legal basis: According to Article 196 of the "Criminal Law", the crime of credit card fraud refers to the act of using credit cards to conduct fraudulent activities for the purpose of illegal possession, in violation of credit card management regulations, and to defraud a large amount of property. The use of credit cards generally refers to the use of counterfeit or invalid credit cards or fraudulent use of other people's credit cards or malicious overdrafts to conduct fraudulent activities.