It depends on the specific situation. 1. If the credit card debt owed is used for the common life and business of the family, then it is a joint debt of the husband and wife, and both parties have the responsibility to repay it within the scope of the joint property of the husband and wife. 2. If the debt owed is used for personal expenses or illegal activities, such as gambling, loan sharking, etc., the other party does not have to bear the responsibility for repayment. 3. Debts borne by one spouse in his or her own name beyond the scope of daily life of the family after marriage, if the spouses share the same consumption control, the debts are shared by the spouses, etc. Article 1064 of the "People's Liberation Army and Civil Code of the People's Republic of China" Article 1064: Debts borne by both spouses with the same signature, or with subsequent ratification by one spouse, etc., as well as debts incurred by one spouse during the marriage relationship. Debts borne by individuals for the daily needs of the family are joint debts of husband and wife. Debts borne by one spouse in his or her own name beyond the daily needs of the family during the marriage are not joint debts of the couple; however, the creditor can prove that the debt is used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses. Article 1,089 In the event of divorce, the husband and wife's joint debts shall be repaid jointly. If the property of the two parties is insufficient to repay or the property belongs to each other, the parties shall agree to repay the repayment; if the agreement fails, the People's Court shall make a judgment.