1. Will the credit card debt implicate your spouse?

Credit card debt will implicate your spouse to a certain extent, but the specific degree of influence depends on the tone of credit card debt and the corresponding things.

if the credit card debt is only slight, and the spouse is also a related financial product for personal credit qualification, it will not have any negative impact on the spouse in general.

however, if the credit card debt is very serious, and the spouse applies for the same commercial mortgage as the husband and wife, it will have a great negative effect on the spouse's handling.

if the credit card debt is very, very serious, it has been sanctioned and judged by law and included in the credit blacklist. Then it will not only bring trouble to the spouse, but also play a role in children's attending relevant schools, applying for civil servants, joining the army and so on.

2. Can I fly and take the high-speed train if my credit card is overdue?

1. If my credit card is overdue and the overdue degree is relatively low, then I can fly and take the high-speed train.

2. On the contrary, if you have been included in the list of high consumption restrictions, you can't travel by plane or high-speed rail.

3. Restricting the list of high consumption is a restrictive list measure made by the Central People's Bank in cooperation with relevant units of commercial banks, aiming at people who are seriously untrustworthy. Once it is included in the list of restricted high consumption, the court will restrict a series of consumption of users through the system, unable to stay in high-star hotels, unable to take high-speed trains and planes.

third, is it cost-effective to repay by credit card installment?

It is not cost-effective to repay by credit card installment in advance, because the repayment by credit card installment uses equal principal and interest, and all the principal and handling fees of the remaining installments must be paid in advance.

for the arrears with a large amount that cannot be paid off in one lump sum for a long time, the installment repayment cost is relatively low to prevent the profits from rolling. However, if the amount is low, the consumption accounting date is close to the final repayment date and it can be repaid in a short time, it is more cost-effective to choose the lowest repayment amount.

in special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.