Banks that owe credit cards sue both husband and wife, because in this case, they are usually considered as joint debts of husband and wife and need to be shared by both parties. Therefore, when bringing a civil creditor's rights dispute lawsuit, both husband and wife can be sued as defendants, which is stipulated by law. In some cases, one party's credit card arrears are considered as joint debts of husband and wife. If the burden of using credit cards is family debt (such as using credit cards for daily expenses), then families should bear the debt. If it is a personal debt, it only needs to be borne by the individual. If a part of the arrears is sued or there is a legal dispute, it will be classified as belonging to this part of the situation according to this situation and handled according to the corresponding situation.