Legal analysis: During the relationship between husband and wife, the bad credit record of one spouse due to overdue credit card will also affect the other spouse's application for loan: 1. Lending in the name of one spouse, even if the lender has a good credit record, if his spouse fails to repay for many times, the bank will doubt the repayment ability and credit degree of the family, and will be more cautious when lending. 2. If one of the husband and wife fails to repay the loan for three consecutive times or six times in two years, the bank will refuse to issue the loan. The consequences of overdue credit cards are as follows: 1. Bank Credit Card Banking Center will charge late fees and interest: 1. The overdue fine is calculated according to 5% of the unpaid minimum repayment amount, and the minimum repayment amount is 10 yuan RMB or 1 USD. At the same time, the bank will charge five ten thousandths of daily interest on the whole bill. Second, the impact on credit: 1, if it is overdue for less than one month, it is considered overdue once. As long as it is overdue once, even once, it is difficult to increase the limit; 2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future; 3. After a certain amount and time, the bank will freeze the credit card. The other party will not deduct the money from the other party's savings card, and whoever has it will pay it back. The other party can help you taste it, but the bank can't deduct the other party's money without permission. If it is common property, the court can auction it according to law if a lawsuit is filed at that time.

Legal basis: Article 1063 of the Civil Code of People's Republic of China (PRC). The exclusive property of husband and wife includes: (1) one party's pre-marital property; (two) one party has received compensation or personal injury compensation; (3) Property that is determined to belong to only one party in the will or gift contract; (4) Daily necessities of one party; (five) other property that should be owned by one party.