It's okay to owe money, just the last repayment date, as long as you don't leave a bad credit record. Personal credit cards or bank loans are overdue for three months in a row, or more than six times in two years, so you can't apply for provident fund loans. Even if the bank issues a "certificate of no arrears", it has no effect.
If one spouse has a bad record, it will affect the credit between husband and wife. The debts incurred by one of the husband and wife in their personal name for the daily life of the family during the marriage relationship are joint debts of the husband and wife and need to be repaid by both parties. Banks check credit records on a household basis. When a married person applies for a loan, the bank will check the credit history of the borrower and his spouse. If one spouse has an overdue record, even if the other spouse does not apply for a loan, it will affect the other spouse's loan application.
legal ground
Article 1064 of the Civil Code of People's Republic of China (PRC) (hereinafter referred to as "Civil Code"), the debts jointly signed by the husband and wife or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily life of the family during the marriage relationship belong to the joint debts of the husband and wife.
Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife. Article 1065 A man and a woman may agree that the property acquired during the marriage relationship and the pre-marital property shall be owned separately or jointly, or partially or jointly. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1063rd of this Law shall apply.
The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties.
The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband and wife should be used to pay off the debts owed by the husband and wife. Article 1089 Upon divorce, the joint debts of husband and wife shall be paid off jointly. If the joint property is insufficient to pay off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.