If the credit card debt is overdue, if the debt is a joint debt of both husband and wife, both spouses will be jointly and severally liable.

"People's and Civil Code of the People's Republic of China" (same debt of husband and wife) Debts borne by both spouses with the same signature or with subsequent ratification by one of the spouses, etc., and Debts borne by one spouse in his or her own name for the daily needs of the family during the marriage relationship are joint debts of the spouses. 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 debts are used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses. (Both husband and wife must pay off their debts together when they divorce) When they divorce, their debts must be repaid together. If the property of the two parties is insufficient to repay the debt or the property belongs to each other, the two parties shall agree to repay the debt. If the agreement fails, the People's Court shall make a judgment.