1. Husband and wife's credit cards are independent of each other. Under normal circumstances, one spouse has little influence on the other in the process of using credit cards.
2. If it involves the loan of husband and wife's common property, such as mortgage or other commercial loans, it will have an adverse impact because one of the husband and wife's credit cards is overdue.
What is the specific prosecution process for overdue credit cards?
1. When a party files a lawsuit, it shall first submit an indictment and submit corresponding copies according to the number of the other party;
2. The plaintiff shall submit relevant materials when suing the court;
3. The filing court shall, within seven days after the parties perform the necessary procedures and submit relevant evidence materials, handle the filing procedures for those who meet the conditions for filing; Do not meet the conditions for filing, ruled that it will not be accepted according to law;
4. The parties shall pay the case acceptance fee and other litigation fees in advance within seven days from the date of receiving the notification of acceptance;
5. After filing the case, the court will arrange the trial of the case, and the parties should obey the work arrangement of the court, and settle the litigation costs in the financial room after closing the case, so as to make more refunds and less supplements.
Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC).
Debts jointly signed by husband and wife or ratified by one of them afterwards, as well as debts incurred by one of them in his own name for the daily needs of the family during the marriage relationship, are joint debts of husband and wife.
Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.