1. Overdue credit card will reduce personal credit score. Overdue credit card means that the arrears are not repaid on time, which will have a negative impact on personal credit history. Credit records are managed and counted by the credit reporting agency in charge of the central bank, and personal credit reports may record default records.
2. The credit status between husband and wife is often interrelated. In the common economic life of husband and wife, they usually apply for loan products together, such as mortgage and car loan. If one party's credit history is damaged, such as the overdue credit card, it may affect the interest rate, amount and application result when the husband and wife jointly apply for a loan.
3. The influence of husband and wife credit may spread to other fields. In addition to lending products, the credit situation between husband and wife may also have an impact on renting a house, buying insurance and getting a credit card. The poor credit of one party may bring extra trouble to the other party, because the party with good credit status may have to bear more responsibility for the products jointly applied by husband and wife.
Conclusion: The overdue credit card has influence on the relationship between husband and wife. Personal credit records are damaged, which may affect loans and other aspects of husband and wife's common economic life. It is suggested that users can query credit big data through network data to understand the credit situation of individuals and couples, so as to make more informed financial decisions.
Extended data:
Overdue credit card refers to the behavior that the cardholder fails to repay the credit card debt within the prescribed repayment period. The longer the overdue period, the greater the impact on personal credit records. In order to avoid overdue credit cards, it is recommended to repay the loan in time to ensure timely repayment. At the same time, rational use of credit cards and control of consumption are also one of the important means to maintain personal credit.
In the case of insufficient information, suppose that the husband and wife jointly own a credit card, and one of them is overdue. According to this situation, it can be inferred that the credit between husband and wife may be affected, because overdue credit cards usually have a negative impact on personal credit records.