Legal analysis: Yes. If it is a loan to buy a house, but the husband's credit card is overdue, it will have an impact on the approval of the mortgage, because the property belongs to the joint property of the husband and wife and needs to be repaid by the husband and wife. Banks will check the records of both husband and wife when conducting mortgage review. If one of them has a bad credit, then the house loan may be rejected. If the online loan is not overdue, it will not affect the mortgage.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: those who use forged credit cards; Use an invalid credit card; Fraudulent use of other people's credit cards; Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management should be regarded as the purpose of illegal possession in the second paragraph of Article 196 of the Criminal Law of People's Republic of China (PRC): knowing that there is no repayment ability, the overdraft amount is too large to be returned; Spending overdraft funds and being unable to return them; Escape after overdraft, change contact information, and avoid bank collection; Withdrawing or transferring funds, concealing property or evading repayment; Using overdraft funds for illegal and criminal activities; Other illegal possession of funds and refusal to return them.