If you owe a credit card and get divorced, this is a personal debt and the cardholder must pay off the debt himself. Even if the bank sues the cardholder, or the cardholder is listed as a defaulter, it will not affect the divorced spouse. However, after a divorce, if one of the children follows the cardholder, and is listed as a defaulter, the children will be affected.

Legal basis:

"Interpretation of the Supreme People's Court on Issues Concerning the Application of Law in the Trial of Cases Involving Debt Disputes between Spouses" Article 3 During the subsistence of the marriage, one spouse shall act in his/her own name outside the family The people's court will not support debts borne by the creditor on the grounds that they belong to the husband and wife for daily needs, but the creditor can prove that the debt is used for the husband and wife's daily life and production and operation. Or except based on the consent of both husband and wife.

Extended information: If you are unaware of your spouse’s credit card debt and can prove that the debt is not used for the family’s common life, then one party’s credit card debt is not a joint debt. The specific evidence is actually very simple: there are real consumption records of the credit card and relevant original evidence.