Legal analysis: the method of paying off one party's credit card debt at the time of divorce is: if it is recognized as a joint debt of husband and wife, it will be paid off jointly by husband and wife. If it is recognized as a personal debt, it shall be paid off by the individual. According to the law, how to pay off the credit card debt at the time of divorce should distinguish whether the credit card debt belongs to the joint debt of husband and wife or the personal debt of husband and wife.

Legal basis: Article 1089 of the Civil Code of People's Republic of China (PRC). At the time of divorce, the joint debts of husband and wife are paid off by both parties. If the joint property is insufficient to pay off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.