The husband’s overdue credit will not affect his wife’s credit report. But if the husband's credit card is overdue, it will have a certain impact on the wife. Although the overdue situation will only be reported to the husband's personal credit report, causing damage to the husband's credit, and the wife's credit will not be affected, but if the husband's credit card consumption is used for family life and various expenses, then once If you are sued by the card-issuing bank, the court will determine this as a joint debt of both spouses, which requires both spouses to repay it jointly. At that time, the wife will also need to bear certain repayment responsibilities. Also, after the husband's credit is damaged, the wife 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 spouse has bad credit, it will inevitably refuse to approve the loan.

Credit reports are divided into personal credit reports and corporate credit reports. They are records of personal credit information issued by the Credit Report Center of the People's Bank of China and are used to check the social credit of individuals or companies. Credit reports are divided into three categories, namely basic personal information, credit transaction information, and other information.

The new version of the credit report of the central bank's personal credit reporting system has been launched online, and the "validity period" of overdue records has been officially set to five years. The new version of the credit report sets the starting point for overdue information as October 2009, and previous bad repayment records have been deleted. Since the relevant departments have not clearly stipulated the time limit for negative records, in the old version of the personal credit report, overdue records will be displayed no matter how many years ago they were. The new version of the credit report only displays consumers’ overdue records within the last five years. The new version of the report has changed the presentation method based on tables and uses more text descriptions. Citizens can know at a glance which cards have been overdue and which repayments are normal. At the same time, the new version of the report also reserves a display area for information such as asset disposal and guarantor compensation.

In the early days of the establishment of China’s credit system, many people did not pay enough attention to personal credit and therefore overdue credit cards or loans. Since banks and workplaces will refer to these credit records, the long-term retention of negative information has a serious impact on the lives and work of these people. The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have been overdue and have paid off their debts an opportunity to make corrections and re-establish and accumulate their personal credit records. It is reported that if there is negative information on a personal credit report, residents may be affected when applying for credit cards and mortgage loans.