Yes. The credit cards of both spouses are independent of each other, so under normal circumstances, one spouse's use of the credit card will not have much impact on the other spouse. However, it should be noted that if there is a loan issue involving the same property of the couple, such as a mortgage or other commercial loans, it will have adverse effects due to the overdue credit card of one of the spouses. 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, if the other spouse has bad credit and has many overdue loans, it will be difficult to apply for a loan.

Consequences of overdue loans

1. Penalty interest: When signing a loan contract, some relevant provisions will generally be made for overdue loans. Overdue loans will generally result in penalty interest. Financial Different institutions have different amounts of penalty interest and interest generated. However, as an expense that should not be incurred, it is best not to incur it.

2. Credit stain: This cannot be underestimated. Once the loan is overdue, the bank will report your overdue record to the central bank's credit reporting system. Once the record is generated, it will leave a stain on your personal credit report. This small stain will cause great resistance to your future loans or credit card applications, so borrowers must not lose big for the small.

3. Unable to enjoy preferential loan interest rates: We all know that when applying for a loan at a bank, loan interest rates will fluctuate to varying degrees. High-quality customers can usually get the lowest loan interest rates. However, Users with a history of overdue loans will not be able to enjoy interest rate discounts even if they are able to apply for a loan.

4. If it is overdue, it will have different effects on your credit report depending on the length of time. A credit report that is seriously overdue (more than 90 days) will become a black account. You will not be able to apply for any loan business before the overdue repayment. Overdue fees will also incur additional fees such as liquidated damages and overdue interest. Long-term overdue payments will eventually lead to interest rates greater than Principal matters are also very common, so please treat it with caution.