Legal analysis: Under normal circumstances, a credit card is handled by one party in his own name for personal use, which is generally a personal debt. In judicial practice, when credit card debt is recognized as joint debt of husband and wife, the court mainly considers whether credit card consumption is mainly used for family life, and if it is used for family life, it should be recognized as joint debt.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC).

Joint debts of husband and wife, such as the joint signature of husband and wife or the ratification of one party afterwards, are the joint debts of husband and wife, which are incurred by one of them in his own name for the daily needs of the family during the marriage relationship.

Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife. The Civil Code of People's Republic of China (PRC) came into effect on 202 1 1 65438.