Legal analysis: because one spouse takes personal property as personal debt, unless the husband and wife explicitly agree on joint debt. If there is no clear agreement, even if the operating period income is used for the husband and wife to live together, it will not affect the nature of the debt as a personal debt, because one party voluntarily uses the operating period income for the husband and wife to live together, which is a restriction or condition for one party's own property. When one spouse is in debt, this situation is mostly manifested as bad hobbies or illegal acts such as drug abuse and foreign debt. If the debt of one spouse is not for the above-mentioned bad habits or illegal acts, but the purpose of this paragraph is to claim the creditor's rights from both spouses in the form that the rights of a bona fide third party should be protected by law when used for the above-mentioned bad habits or illegal acts. But in any case, within the husband and wife, the debt is still the personal debt of the husband and wife.

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

Article 1064 The debts jointly signed by the husband and wife or expressed by one party, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship are debts incurred in his own name during the marriage relationship, but they are not joint debts of the husband and wife, except those used to express the common will of the husband and wife.

Article 1066 During the marriage relationship, under any of the following circumstances, one of the spouses may request the person to divide the joint property, hide, transfer, sell, destroy, squander or forge the joint property, which seriously damages the interests of the joint property of the spouses; (2) If one party has the legal obligation to support, it shall pay the related medical expenses.

Second, can I get a credit card loan?

There is no bad record to get a loan.

3. Can I get a credit card loan? Is it that easy?

As long as you have a credit card and a good credit record, you can apply for a loan. In fact, you can't just apply for a loan with a credit card. However, borrowers can also apply for loans in other ways. For example, if there is no collateral, you can apply for a personal credit loan. Banks are strict in examining friends who apply for personal credit loans, and usually require applicants to work well. However, the company is different. As long as you have a stable job and a certain income, you can get a personal credit loan.

Some companies also require that friends who apply for personal credit loans should have a credit card with a limit of more than 1 000 yuan and use it for more than half a year. It is more convenient to borrow money by credit card.

Therefore, friends who hold credit cards must maintain good repayment habits. In this way, a good credit record can play a huge role in applying for a loan, which can not only increase the chances of successfully obtaining a loan, but also increase the loan amount.