It will not be affected. An overdue credit card by one spouse will not affect the other spouse. The credit cards of both spouses are independent of each other. Generally, one spouse does not have much influence on the other spouse in the process of using the credit card. However, it should be noted that if there is a loan issue involving the same property of a husband and wife, such as a mortgage or other commercial loans, it will have adverse effects because one of the husband and wife's credit card is overdue. Generally, financial institutions will require the information of both spouses receiving the loan when approving the loan, including personal credit reports of both spouses. Even if the spouse with good credit is the main borrower, it will be difficult for the other spouse to apply for a loan if his or her credit is poor and there are many overdue loans.
The consequences of an overdue credit card
High penalty interest and liquidated damages will occur. As long as the credit card is repaid before the repayment date, no interest will be charged. If you use a credit card to withdraw cash, after a large amount of consumption, If it is overdue, it will not only accrue interest, but also penalty interest and liquidated damages; it will affect your credit report. Credit card is a business launched by the bank. If you are overdue, you will have your own credit report. Generally speaking, as long as you are overdue more than 6 times or you are overdue once. If the credit report has been overdue for three months, the user is considered to be a serious overdue credit user. The overdue time is as long as 4 years and has been included in the credit report blacklist. Therefore, the consequences of overdue credit cards are indeed very serious. Currently, many cardholders will be overdue. I advise everyone to pay off their credit cards in time and never overdue.
You should also know the consequences of the above in time. In addition, you will be sued by the bank. The bank will eventually sue you for the overdue credit card. The overdue amount is 400,000 yuan. If you refuse to repay after repeated collections, you will be liable. If you are unable to repay the loan, you may be suspected of malicious cashing out and face the consequences of jail time.
If a credit card is overdue, the bank and other card issuers will require the borrower to pay interest on the overdue repayment, and can call and text the borrower to collect the debt, and promptly remind the borrower of the loan amount and repayment date. methods and other related information.
Legal basis: Article 676 of the Civil Code If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations. Article 67 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" The card-issuing bank shall promptly remind cardholders of the overdraft amount, repayment date and other information that is about to expire. Exceptions include cases where the cardholder provides false information or changes contact information without notifying the card-issuing bank. Article 68 The card-issuing bank shall collect debts from the debtor himself and his guarantor, and shall not collect debts from third parties unrelated to the debt, and shall not use violence, coercion, intimidation or abuse and other inappropriate collection behaviors. The collection process should be recorded, and the recording materials should be kept for at least 2 years for future reference.