Legal analysis: It doesn't matter. Whether the credit card debt of one spouse belongs to the joint debt of husband and wife and whether the other spouse needs to bear the responsibility needs to be further treated differently. Under normal circumstances, credit cards are handled by one spouse in his own name for personal use. Generally speaking, it is a personal debt, and the other spouse is not responsible.

Legal Basis: Interpretation of the Supreme People's Court on Relevant Issues Concerning the Application of Laws in the Trial of Cases Involving Debt Disputes between Husband and Wife Article 3 If the debts incurred by husband and wife in their own names exceed the daily needs of the family during the marriage relationship, the people's court will not support the creditor's claim that it belongs to the joint debts of husband and wife, except that the creditor can prove that the debts are used for the husband and wife's common life, joint production and operation, or based on the common wishes of both husband and wife.