Provident fund loans to buy a house, but the wife's credit card has stages, which will not affect you. As long as both husband and wife have no credit problems, it will not affect the house or your life. However, it should be noted that the premise is that neither of you has credit problems, and any of them will affect your house.

First, there is no credit problem and no impact.

Therefore, everyone must be careful not to let their credit information go wrong. If there is a bank card loan or repayment at ordinary times, it must be replaced in time, including some borrowing functions on Alipay. If you borrow money or spend money, you must repay it in full within the time specified by him, or choose according to some installment repayment above. Don't let it keep calling to urge you to repay, which will affect your credit.

Second, the way of debt collection is quite special.

In addition, if you don't pay your debts for a long time, it may have some negative effects on your life and family, because it is natural to pay your debts, but some of their debt collection methods may be unacceptable to normal people. First, he will send you a text message to remind you, and then call your relatives and friends to remind you that you need to repay. Where did you borrow the money? To tell the truth, this is a relatively shameful thing. After all, anyone can borrow money, but in all this noise, this statement is not very good. In order to avoid this embarrassing thing, everyone must be vigilant, don't borrow money if you can, and return it in time after borrowing it if necessary.

Third, timely repayment.

However, you can also relax, as long as it is repaid within the specified time, there will be no other minor problems. Of course, you can ask your relatives and friends for help when necessary. Although it doesn't need much, it can also solve the urgent need, and the salary should be paid back soon.