It won’t cause any problems, but it will affect our lives.

Overdue credit reports are also personal credit reports, which affect the cardholder’s personal credit and will not be recorded on the spouse’s credit report.

However, everyone also needs to note that if the spouse later goes to the bank to apply for a mortgage, car loan, etc., then as a married person, the bank will review the family's credit status and repayment ability.

As a spouse, the personal credit report of the husband/wife will also be reviewed by the bank. Once the bank finds that one of the spouses has a bad credit report, it is likely to reject it due to credit problems. Approval of loans.

In addition, if the debt is a joint debt of husband and wife, it should be repaid jointly by both husband and wife. It can be paid off by the joint property of husband and wife. The joint property of husband and wife is not enough. If repayment is required, the repayment can be negotiated by both parties.

Legal basis:

Civil Code

Article 1065

Both men and women may agree that the marriage relationship will continue The property acquired during this period and the property before marriage shall be owned by each of them, jointly owned by them, or part of them owned by each of them and part of them jointly owned by them. The agreement should be in writing. If there is no agreement or the agreement is unclear, the provisions of Articles 1062 and 1063 of this Law shall apply.

The agreement between husband and wife regarding the property acquired during the marriage and the property before marriage is legally binding on both parties.

The husband and wife agree that the property acquired during the marriage shall be owned by each other. If the other party knows the agreement, the debts borne by the husband or wife shall be paid off with the personal property of the husband or wife.