Legal analysis: Depends on specific circumstances. If the credit card debt is used for the family's common life and business, then it is a joint debt of husband and wife, and both husband and wife are jointly responsible for repayment; if the credit card debt is used for one party's personal expenses, or If you engage in illegal activities, such as gambling, loan sharking, etc., the other party does not have to bear the responsibility for repayment.

Legal basis: Article 1064 of the "People's Liberation Army and Civil Code of the People's Republic of China" Debts, as well as debts borne by one spouse in his own name for the daily needs of the family during the marriage, are joint debts of the couple. 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.