Legal analysis: it depends on the specific situation. If credit card debt is used for family life, it should be recognized as joint debt of husband and wife, and both husband and wife need to repay the debt. Otherwise, it will be regarded as personal debt, and the defaulting party will bear the repayment responsibility.

Legal basis: Interpretation of the Supreme People's Court on Relevant Issues Concerning the Application of Law in the Trial of Cases Involving Husband and Wife Debt Disputes.

Article 1 Debts jointly signed by husband and wife or ratified by one party afterwards shall be recognized as joint debts of husband and wife.

Article 2 During the marriage relationship, the people's court shall support the debts incurred by the husband and wife in their own names due to the daily needs of the family, and the creditors claim their rights on the grounds that they belong to the joint debts of the husband and wife.