1. Lending in the name of one spouse, even if the lender's credit record is good, if the spouse fails to repay the loan for many times, the bank will doubt the repayment ability and credit degree of the family and be more cautious when lending.
2. If one spouse fails to repay the loan for three consecutive times or six times in two years, the bank will refuse to issue the loan.
The consequences of overdue credit cards are:
First, the bank credit card banking center will charge late fees and interest:
1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum payment amount is RMB 10 or USD 1.
At the same time, the bank will charge five ten thousandths of the daily interest on the whole bill.
Second, the impact of credit:
1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota.
2. If it is overdue for 3 consecutive times or accumulated for 6 times, it will have a bad credit record, and it will be difficult to obtain loans and apply for credit cards in the future.
If it exceeds a certain amount and time, the bank will freeze the credit card.
Legal basis: Article 671 of the Civil Code of People's Republic of China (PRC). If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.