It will not be affected if the debt belongs to the ex-husband; it will be affected if the debt is the property of the husband and wife. Whether the ex-husband's failure to repay the credit card debt will affect his ex-wife depends on the situation of the debt. According to the "People's Republic of China and Civil Code": both husband and wife must sign together or one of the husband and wife can ratify it afterwards, etc. Debts borne by the same meaning, as well as debts borne by one spouse in his or her own name for the daily needs of the family during the marriage, are joint debts of the couple. Therefore, if the debt belongs to the ex-husband, it will not affect the ex-wife, but if the debt is the joint property of the husband and wife before the divorce, it will affect the ex-wife.