Legal analysis: 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 due to an overdue credit card, the wife's application for a mortgage in her own name will also be affected, and the loan may even be rejected. But after breaking away from the relationship between husband and wife, the negative impact on the other party will be eliminated accordingly.

Legal basis: "The People's Republic of China and the Civil Code"

Article 1,076 If both spouses voluntarily divorce, they shall sign a written divorce agreement and attend the divorce in person. Apply to the marriage registration authority for divorce registration. The divorce agreement should state the intention of both parties to divorce voluntarily and the consensus on matters such as child support, property and debt settlement.

Article 1,079 If one spouse requests a divorce, the relevant organization may conduct mediation or directly file a divorce lawsuit with the People's Court. When hearing a divorce case, the People's Court shall conduct mediation; if the relationship has truly broken down and mediation is ineffective, the divorce shall be granted. If mediation fails under any of the following circumstances, divorce shall be granted:

(1) Bigamy or cohabitation with others; (2) Committing domestic violence or abusing or abandoning family members;

(3) Having bad habits such as gambling and drug abuse and refusing to change despite repeated admonitions;

(4) Living apart for more than two years due to emotional discord;

(5) Other causes of marital problems The situation of relationship breakdown.

If one party is declared missing and the other party files a divorce lawsuit, the divorce shall be granted. After the people's court has ruled that divorce is not allowed, and the two parties have lived apart for one year, and one party files a divorce lawsuit again, the divorce shall be granted.