Legal analysis: It is not an individual act, but a couple’s act together. As long as the credit card was issued during the marriage. The property jointly owned by husband and wife refers to the property owned jointly by husband and wife during the existence of the relationship between husband and wife. The so-called duration of the relationship between husband and wife refers to the period after the husband and wife get married until the death or divorce of one party. During this period, the property acquired by the husband and wife, unless otherwise agreed, is the joint property of the husband and wife. Husband and wife have equal rights to dispose of property owned jointly. Disposal of property by one spouse during the existence of the couple requires the consent of the spouse.

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

Article 1062: The following properties acquired by husband and wife during the marriage relationship shall be the property of the husband and wife* **The same property shall be owned jointly by husband and wife ***:

(1) Wages, bonuses, and remuneration for labor services;

(2) Income from production, operation, and investment;

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(3) Income from intellectual property rights;

(4) Property inherited or donated, except as provided for in Paragraph 3 of Article 1063 of this Law;

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(5) Other property that should belong to the contract.

Husband and wife have equal rights to handle the same property.

Article 1,063 The following properties are the personal property of one spouse:

(1) One party’s pre-marital property;

(2) One party’s pre-marital property Compensation or compensation for personal injury;

(3) Property determined to belong only to one party in the will or gift contract;

(4) Daily necessities for the exclusive use of one party;

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(5) Other property that should belong to one party. .