The husband's overdue will not affect his wife's credit information. But if the husband's credit card is overdue, it will have a certain impact on his wife. Although the overdue situation will only be reported to the husband's personal credit report, it will damage the husband's credit, while the wife's credit will not be affected. However, if the husband's credit card consumption is used for family life and various expenses, once sued by the issuing bank, the court will judge this as a joint debt of husband and wife, which needs to be repaid by both husband and wife. At this time, the wife also needs to bear certain repayment responsibilities. Also, after the husband's credit was damaged, the wife went to the bank to apply for a loan. If the bank examines the family credit status and repayment ability, such as mortgage, once it finds that one of the husband and wife has bad credit, it is bound to refuse to approve the loan.

Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises. Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information.

The new version of the central bank's personal credit information system was put into operation, and the "validity period" of overdue records was officially set at five years. The new credit report sets the starting point of overdue information as 65438+2009 10 month, and the previous bad repayment record has been deleted. Because the relevant departments have not clearly defined the restrictions on negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years. The new version of the report has changed the presentation mode based on tables and used more words to describe it. At a glance, the public will know which cards are overdue and which repayments are normal. At the same time, the new report also reserved an exhibition area for information such as asset disposal and guarantor's compensation.

In the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, so credit card or loans overdue behavior appeared. Because banks and work units will refer to these credit records, long-term negative information has a serious impact on their lives and work. The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have not paid off their debts within the time limit an opportunity to turn over a new leaf, re-establish and accumulate personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages.