Because during the relationship between husband and wife, the bad credit record of one spouse due to the overdue credit card will also have an impact on the other spouse's application for loans and other behaviors:

1. Lending in the name of one spouse, even if the lender's credit record is good, if the spouse fails to repay for many times, the bank will doubt the family's repayment ability and credit degree, and will be more cautious when lending.

2. If one of the husband and wife fails to repay the loan for three consecutive times or six times in two years, the bank will refuse to issue the loan.

Bad credit records can affect spouses and children.

Case:

1. In a commercial bank in Foshan, there is a customer's own credit blank, no credit card and no loan record. I want to apply for a loan in this bank. However, his spouse had a farmer's loan two years ago. Because he didn't know the repayment date, there were many bad records in the credit report. Similarly, because of the influence of the spouse, the customer failed to apply for a loan at the bank.

2. There is a 25-year-old man who has just come out to work and intends to buy a property of a developer in Nanhai District. The young man's personal credit is good, but because the monthly income can't cover the monthly repayment amount, he needs to add his parents as * * * borrowers.

In the process of applying for a loan, the bank found that the credit information of the young man's parents showed that both sides had a consumer loan, which was overdue for 7 months in the past two years, and the amount exceeded 20,000 yuan, which was seriously overdue. Because of parents' bad credit records, the loan application could not pass the examination.

The consequences of overdue credit cards are:

I. 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 repayment amount is RMB 10 yuan or USD 1 yuan.

2. At the same time, the bank will charge five ten thousandths of daily interest for 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, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;

3. After a certain amount and time, the bank will freeze the credit card.

Three. Materials to be prepared for the loan:

1, ID cards of both husband and wife of the borrower;

2. The borrower's household registration book/foreigner needs a temporary residence permit and household registration book;

3. Marriage certificate/divorce certificate or court judgment/single certificate;

4. proof of income;

5. Academic certificate;

6, the bank is flowing;

7. Other attributes;

8. Copy of the business license of the unit (with official seal);

9. certificates of deposit, etc. ;

10. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements;

1 1. Other information required by the bank.