Legal analysis: Yes. If the overdue period causes bad credit and is included in the credit information system by the local court, the overdue person may be restricted from flying or taking the train, which will only affect the spouse's loan credit.

Legal basis: Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.