Legal analysis: if the man's credit card consumption is used in the family life of husband and wife, it is regarded as the joint debt of husband and wife, and both husband and wife should bear it together. If the man's credit card consumption is not used for husband and wife's family life, it belongs to personal debt and has nothing to do with his wife.

Legal basis: Several Specific Opinions of the People's Court on Handling Property Division in the Trial of Divorce Cases Article 88 The debts incurred by husband and wife due to living together or fulfilling their obligations of support and maintenance shall be recognized as joint debts of husband and wife, and shall be paid off with the joint property of husband and wife at the time of divorce. The following debts cannot be recognized as joint debts of husband and wife, and should be paid off by one party with personal property:

(1) Debts agreed by husband and wife to be borne by individuals, except for the purpose of avoiding debts.

(2) without the consent of the other party, one party subsidizes the debts incurred by its relatives and friends who have no obligation to support.

(3) Without the consent of the other party, one party raises funds separately to engage in business activities, and its income is not used for debts incurred in common life.

(4) Other debts that should be borne by individuals.