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Now it's a matter of principle for @tcsbanktwitter." The court will review Mr Argakov's case next month.

While married couples don’t inherit each other’s credit scores, one partner’s weak rating could sink the family’s financial goals.

While it’s a slower process towards rebuilding credit, the extra discipline and effort involved may be a helpful reminder in the future of why it’s never a good idea to overspend.

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Mr Argarkov's version of the contract contained a 0pc interest rate, no fees and no credit limit.

Every time the bank failed to comply with the rules, he would fine them 3m rubles (£58,716).

If one of you has a less-than-perfect number—anything under the mid-700s on the FICO scale—it can affect your ability as a couple to qualify for joint accounts, like credit cards, mortgages, or auto loans, says Rod Griffin, director of public education at Experian.

For example, lenders might not approve you together for as large of a mortgage as you’d like or may only extend you one with a really high rate.

If Tinkoff tried to cancel the contract, it would have to pay him 6m rubles.