Arrears have nothing to do with getting a marriage certificate. As long as both parties agree and both are of legal age for marriage, it is ok. It won't affect you, but it's your own responsibility. But it will affect the quality of your life in the future. Because before marriage, it belongs to personal debt; However, credit cards owe more than 300,000 yuan. If the bank fails to pay it back for more than three months, it is suspected of credit card fraud. Banks can report to the economic investigation department of the public security organ for filing a case for criminal responsibility. Personal debts before marriage will not be classified as joint debts. I suggest that you hurry to urge him to repay the loan, so as not to affect your personal credit or be sued.