If the husband's credit card is overdue, it will affect his wife. Although the husband's overdue credit card has nothing to do with himself, it is his personal loan, and the wife can still borrow money for consumption, and the two will not have any impact. Where there are other provisions in the law, such provisions shall prevail. Although the overdue situation will only be reported to the husband's personal credit report, it will damage the husband's credit, while the wife's credit will not be affected. However, if the husband's credit card consumption is used for family life and various expenses, once sued by the issuing bank, the court will judge this as a joint debt of husband and wife, which needs to be repaid by both husband and wife. At this time, the wife also needs to bear certain repayment responsibilities. However, if credit card consumption is to be recognized as a joint debt, it needs to be confirmed by evidence such as real consumption records, otherwise it will not be directly recognized as a joint debt of husband and wife. However, in most cases, when it is not clear that the credit card debt is a personal debt, both husband and wife should jointly pay off the debt. In addition, the overdue husband's credit card will also affect his wife's personal credit. For example, if a married person goes to a bank to apply for a credit card or loan, the bank will not only check his own credit, but also check his spouse's credit. Therefore, if the husband's credit card is overdue, the loan applied by the wife in her own name will also be affected. However, if divorced from the relationship between husband and wife, the adverse effects on each other will be eliminated accordingly.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC), the debts jointly signed by the husband and wife or ratified by one party afterwards, and the debts incurred by one of the husband and wife in their 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.