It doesn't matter. It won't affect my wife after the divorce. Parents or children are "blacklisted" by banks, and poor credit reporting has no effect on other family members. Because the bank only inquires about the borrower's credit record when issuing loans, other family members will not, so it will not have an impact.
However, if it is a debt owed by the husband and wife or one of them to a third party during the marriage relationship, both parties shall be jointly and severally liable for the repayment of the debt. In this case, divorce will have an impact on the wife.
According to the relevant provisions of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of the Marriage Law of the People's Republic of China (II), if the divorce agreement of the parties or the judgment, ruling or conciliation statement of the people's court has dealt with the distribution of husband and wife's property, the creditor still has the right to claim rights from both men and women for the husband and wife's debts.
Extended data:
Basic information:
When I was in college, I overdrawn 6 cents with my credit card and forgot to pay it back. After 6 years, I have to pay back 9267.2 yuan with interest, and I was also included in the blacklist of credit information. The parties refused to accept the lawsuit and filed a lawsuit in Tianning District Court of Changzhou City. On June 16, the case was settled through mediation, and Yu paid various fees to the bank * * * 500 yuan, and the bank assisted Yu to cancel his bad record in the credit information system of the People's Bank of China, and the mediation was successful.
Punishment for malicious overdraft of bank cards:
The following situations are malicious overdraft credit cards:
(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;
(two) squandering overdraft funds, unable to return;
(3) Escaping after overdraft, changing contact information and avoiding bank collection;
(4) evading or transferring funds, concealing property or evading repayment;
(five) the use of overdraft funds for illegal and criminal activities;
(six) other acts of illegal possession of funds and refusal to return them.
According to the relevant provisions of the Criminal Law and the Interpretation of Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impacting Credit Card Management, it can be known that if the cardholder fails to return the card for more than three months for the purpose of illegal possession, and the amount owed exceeds 654.38+00,000, the bank will freeze your card and list you as a prohibited customer (blacklist). At the same time, the public security organ will charge you with credit card fraud and malice. The court will follow the criminal law.
Baidu Encyclopedia-Credit Blacklist
Phoenix. Com- If the credit information is blacklisted, will family members be implicated?