1. Personal debt: If the credit card is a debt in an individual's name, the overdue debt is only used for personal consumption, and the spouse usually does not need to bear the overdue responsibility in law. However, if the overdue credit card has a great impact on the cardholder's credit record, it may affect the husband and wife's application for loans and other financial products in the future.
2. Impact of credit history: If the credit card is applied in the same name as the husband and wife, the overdue repayment will have an impact on the credit history of both parties. At this time, the overdue credit card bill will be recorded in the credit records of both husband and wife, and both the main card holder and the supplementary card holder will be affected.
3. Serious overdue: If the overdue is very serious and the lawsuit has been executed, it will affect the other half.
4. Husband and wife have the same debt: if the overdue credit card debt is used for the family expenses of husband and wife, it belongs to the husband and wife, and the spouse needs to bear the responsibility. For example, if the credit card is used as part of the family expenses, such as the credit card used by the husband and wife, then the spouse may have to bear certain responsibilities.