Generally it will not affect divorce. There is no relationship between the overdue credit card and whether you can get divorced, because overdue affects your personal credit report and credit, while divorce will only involve the repayment of the same debt, and whether you can repay the debt. Negotiate repayment issues.

1. Does overdue credit card payment affect divorce? Overdue credit card payment has no significant connection with divorce. The parties can divorce, but the credit card-related debts must be judged based on the actual situation whether they are joint debts of both spouses. If they are joint debts of both spouses, they need to be divided, and it is up to both spouses to decide. ***To be borne by both parties. But if one of the parties has a debt due to gambling or purchasing luxury goods, the other party does not need to repay it jointly.

2. What are the legal characteristics of joint debts? 1. The subjects of joint property between husband and wife are married couples, men and women who have not formed a marriage relationship, such as unmarried cohabitation, Cohabitation outside marriage, etc., as well as a man and a woman whose marriage is invalid or annulled, cannot become the subject of the joint property of the husband and wife. 2. The joint property of husband and wife is the property acquired during the marriage relationship. The property before marriage does not belong to the joint property of husband and wife. The duration of the marriage relationship starts from the date of legal marriage and ends with the death of one spouse or the date of divorce. 3. The source of the joint property of husband and wife is the property acquired by both spouses or one party, including the property acquired by the husband and wife through labor, and other legal property not obtained by labor. Of course, the sum of property directly stipulated by the law as unique personal property Except for those that the husband and wife agree to treat as separate property. 4. Husband and wife have equal ownership of the same property, enjoy equal rights and bear equal obligations. 5. Property that cannot be proven to belong to one spouse is presumed to be the joint property of both spouses. 6. When dividing the joint property of husband and wife, in principle, it should be divided equally. According to the actual needs of production and life, the source of the property, etc., the matter shall be handled by agreement between the two parties. If an agreement cannot be reached, the people's court shall make a judgment based on the specific circumstances of the property and the principle of taking into account the rights and interests of the children and the woman. 7. If one spouse dies and the estate is divided, half of the joint property of the spouses should first be distributed to the other spouse, and the remaining property shall be the estate of the deceased and shall be handled in accordance with the legal provisions of inheritance.

3. What is the method for settling the debts of the spouses? 1. The debts of the spouses should be settled by the spouses, that is, with the property of the spouses. The method is: (1) First pay off the joint debts of the husband and wife from the joint property of the husband and wife, and then divide the remaining joint property of the husband and wife, that is, pay off first and then divide; (2) Divide first To pay off later, that is, first divide ***'s property and ***'s debts, and then each party will use their allocated property to pay off their shared debts. 2. If the property of the same party is insufficient to repay the debt or the property belongs to each other, the two parties shall reach an agreement and repay the debt in accordance with the method agreed upon in the agreement. 3. If the two parties fail to reach an agreement, they will file a lawsuit in court, and the people's court will make a judgment according to law. Overdue credit cards will have no impact on divorce, but the repayment of the same debt involved requires full negotiation between both parties. If the negotiation is ineffective, it can be further handled through litigation. Both parties need to produce evidence that can prove whether the debt belongs to an individual or a collective debt to support their litigation views.