Legal analysis: Generally speaking, the credit card debt in a divorce is half for one person, but if one party uses it more, he can bear more debt as appropriate. Externally, both parties are obliged to repay it. No specific proportion is distinguished. During the marriage, the property acquired by both spouses belongs to the joint property of the husband and wife. In principle, the court will divide it equally. However, if one party has difficulty in living, the court may take care of the difficult party and divide the joint property more. During divorce, the spouses' separate property shall be handled by agreement between the two parties; if an agreement cannot be reached, the people's court shall make a judgment based on the specific circumstances of the property and in accordance with the principle of taking into account the rights and interests of the children, the woman and the non-fault party. The rights and interests enjoyed by husband or wife in family land contract management shall be protected in accordance with the law. In the event of divorce, the husband and wife's joint debts must be repaid jointly. If the property of the two parties is insufficient to repay or the property belongs to each other, the two parties shall agree to repay the repayment; if the agreement fails, the People's Court shall make a judgment.

Legal basis: "The People's Republic of China and the Civil Code"

Article 1,087 When divorcing, the marital property of the spouses shall be settled by agreement between the parties; If an agreement cannot be reached, the People's Court shall make a judgment based on the specific circumstances of the property and in accordance with the principle of taking into account the rights and interests of the children, the woman and the non-fault party. The rights and interests enjoyed by husband or wife in family land contract management shall be protected in accordance with the law.

Article 1,089 When divorcing, the husband and wife's debts shall be repaid jointly. If the property of the two parties is insufficient to repay or the property belongs to each other, the two parties shall agree to repay the repayment; if the agreement fails, the People's Court shall make a judgment.