1. Overdue credit card will reduce personal credit score. The overdue credit card means that the arrears are not repaid on time, which will have a negative impact on the personal credit record. Credit records are managed and counted by the credit information agency in charge of the central bank, and default records may be recorded in personal credit reports.
2. The credit status of husband and wife is often interrelated. In the economic life of husband and wife, they usually apply for loan products, such as house loan and car loan. If one party's credit history is damaged, such as the overdue credit card, it may affect the interest rate, amount and application result when the husband and wife apply for a loan.
3. The influence of husband and wife's credit may spread to other fields. In addition to lending products, the credit situation between husband and wife may also have an impact on renting a house, buying insurance and applying for a credit card. One party's poor credit may bring additional troubles to the other party, because the party with good credit status may have to bear more responsibilities for the products that the husband and wife apply for together.
conclusion: overdue credit cards have an impact on the relationship between husband and wife. The damage of personal credit record may affect the loan and other aspects of husband and wife's economic life. It is suggested that users can query the credit big data through the network data to understand the credit situation of individuals and couples in order to make more informed financial decisions.
Extended information: Credit card overdue refers to the behavior that the cardholder fails to repay the credit card debt within the specified repayment period. The longer the overdue period, the greater the impact on personal credit records. In order to avoid overdue credit card, it is recommended to repay the loan in time and ensure that the bill is paid on time. At the same time, rational use of credit cards and control of consumption are also one of the important means to maintain personal credit.
in the case of insufficient information, suppose that both husband and wife have a credit card, and one of them is overdue. According to this situation, it can be inferred that the credit between husband and wife may be affected, because overdue credit cards usually have a negative impact on personal credit records.