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:\x0d\1. Loans in the name of one spouse, even if the lender levies If the spouse has a good credit record, if his or her spouse repeatedly makes late repayments, the bank will also doubt the family's repayment ability and creditworthiness, and will be more cautious when lending. \x0d\2. If one spouse makes late payments three times in a row within two years, or a total of six late payments in total, the bank will refuse to issue a loan. \x0d\The consequences of an overdue credit card are:\x0d\1. The bank credit card bank center will charge late payment fees and interest:\x0d\1. The late payment fee is calculated based on 5% of the unpaid portion of the minimum repayment amount. The minimum charge is RMB 10 or 1 US dollars \x0d\2. At the same time, the bank will also charge an interest of 0.05% per day on the entire bill. \x0d\ 2. Impact on credit: \x0d\1. Overdue within one month is considered overdue once. As long as it is overdue, even once, it will be difficult to increase the credit limit; \x0d\2. Overdue three times in a row or six times in total. There will be a bad credit record, and it will be difficult to get loans and apply for credit cards in the future;\x0d\3. If the credit card is overdue for a certain amount and time, the bank will freeze the credit card.