Specifically, the following is a detailed explanation of this conclusion:
1. Loan: If one party's credit information is hacked, it may lead to the rejection of the husband and wife's loan application or the obtaining of a low-amount loan. Because lending institutions usually refer to the credit records of both husband and wife to evaluate the credit status of borrowers, if one of them has a bad credit record, lending institutions may think that the other husband and wife also has certain risks.
2. Apply for cooperation: In some cases, couples may need to apply for credit cards, loans or renting houses together. If one party's credit information is hacked, it will adversely affect the husband and wife's application. One party's bad credit record may affect the passing rate of the other party's application, or cause both parties to face higher interest rates or deposit requirements for the same application.
3. Loan interest rate: When husband and wife jointly apply for a loan, the party with black credit information may have an impact on the interest rate of the loan application. Lending institutions usually decide the loan interest rate according to the applicant's credit status. If one party's credit is not good, the whole loan application may face higher interest rate, which will increase the repayment cost.
To sum up, the hacking of one spouse's credit information will have a certain impact on the other spouse, including blocked loan application, limited cooperation application, and high possible loan interest rate. Therefore, it is suggested that both husband and wife should pay close attention to and maintain their personal credit records after marriage, so as not to bring unnecessary trouble to their financial activities.
Extended data:
Credit record refers to the summary of personal credit status, loans, credit cards, repayment records and other information. The central bank's credit information system is the main credit information institution, which is responsible for collecting and managing the credit information of each individual. Credit records have an important impact on personal financial activities, loan applications, renting houses, etc. A good credit record helps to improve personal credit rating and obtain better financial services and conditions.
It is worth noting that the above explanation is based on the situation that both husband and wife jointly apply for financial services such as loans and credit cards. In the case of individual independent application, the other party's credit black will not directly affect the result of individual independent application.
In addition, the joint property system of husband and wife is a common property system. Therefore, for couples, the importance of paying attention to and maintaining credit records goes far beyond personal interests, and also involves the financial stability and development of the family.
Summary:
In the case that one spouse's credit information is hacked, the other spouse may be affected. Specifically, the loan application is blocked, the cooperation application is limited, and the loan interest rate may be higher. Therefore, both husband and wife should keep good personal credit records to avoid unnecessary troubles to their financial activities.
Supplementary conditions: Assume that both husband and wife have the same economic activities, such as applying for loans, credit cards, sharing houses, etc.