Legal analysis: Whether a wife's overdue credit card will affect her husband's loan depends on the purpose of the loan. Details are as follows: 1. If the wife loans overdue's overdue record is uploaded to the credit information, the husband's application for mortgage or car loan will affect the husband's loan; 2. If the overdue record is not on the credit report, it will not affect the husband's application for credit business; 3. The wife's overdue record is recorded, but the husband's application for personal loan business is not affected. If the wife's online loan is overdue, the main impact is the wife's own credit information. If the wife's credit information is poor, the loan applied for at home will be affected. If a married person borrows a loan, the bank will refuse the loan if either of the husband and wife has a bad credit record.

Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.