If the wife’s credit card is overdue, it will have a certain impact on the man.

Although the overdue situation will only be reported to the wife's personal credit report, causing damage to the wife's credit, the man's credit will not be affected. However, if the husband’s credit card consumption is used for the family’s daily life and various expenses, once the card-issuing bank sues him, the court will determine this as the joint debt of both husband and wife, which means that the husband and wife need to Both parties must repay the same amount. At this time, the wife also needs to bear certain repayment responsibilities.

Also, after the wife’s credit is damaged, the man goes to the bank to apply for a loan. If the bank examines the family’s credit status and repayment ability, such as a mortgage, then once it is discovered that one of the spouses has bad credit, it will inevitably Reject loan approval.

It is recommended to pay off the debt immediately after the credit card is overdue. If you really can't pay it off, you can proactively contact the bank to negotiate an extension. If you keep delaying repayment, it will be bad to be sued by the bank. And the longer the overdue period is, the more penalty interest will be incurred and the more you have to repay.

1. Credit card overdue for 3 days

The impact of a credit card overdue for 3 days is not very big, because first of all, many banks have time tolerance services and will provide credit card holders with time tolerance services. The repayment grace period is basically about 3 days.

If you are overdue for 3 days and are still within the repayment grace period, then you will not be subject to a credit report after repayment, and no interest will be charged; if it exceeds the repayment grace period, because the overdue time is short, So the impact is basically to pay some penalty interest.

2. Credit card is overdue for 30 days

If a credit card is overdue for 30 days, the impact will be more serious. Many banks will report it to the credit report if it is overdue for 30 days. Of course, some banks are overdue. The credit report will be reported one month later. Being overdue for 30 days has a considerable impact on personal credit. And you also need to pay 30 days of penalty interest.

3. A credit card is overdue for 90 days

If a credit card is overdue for 90 days, the bank can sue the cardholder, and if it is overdue for 90 days, a credit report will definitely be filed, which will cause damage to the credit The extremely negative impact will not only be blacklisted by the bank, but also blacklisted by the court as a dishonest person.

And the bank will continuously collect the money, and there will also be overdue penalty interest. The penalty interest will also be charged with compound interest for 2 months.