Depending on the specific circumstances: 1. Credit card debt used for the family's daily life should be considered as a joint debt of husband and wife, and should be repaid by both husband and wife together, that is, they are obliged to pay. The other party pays off credit card debt. 2. The debt owed by the credit card is used by one spouse for personal life and is regarded as the "personal debt" of one spouse. The other spouse is not responsible for repayment, that is, he has no obligation to repay the credit card debt to the other spouse. Article 1089 of the Civil Code: Upon divorce, the joint debts of husband and wife shall be repaid jointly. If the property of the same party is insufficient to repay the debt or the property belongs to each other, the two parties shall agree to repay the debt; if the agreement fails, the People's Court shall make a judgment.