Legal analysis:
As long as it can be proved that credit card debt is used for husband and wife to live together, it is joint debt. According to the regulations, the following debts are joint debts of husband and wife:
1. The property borrowed by one party before marriage is converted into the joint property of husband and wife, and the debts arising from the purchase of these properties; 2. Debts jointly incurred by husband and wife for family life; 3. Debts arising from the joint production and business activities of husband and wife, or debts arising from one party's production and business activities, and the business income is used for family life or jointly owned by the spouse; 4. The debts incurred by one or both spouses due to medical treatment and treatment of patients have legal obligations; 5. debts arising from raising children; 6. Liabilities for supporting the elderly; 7. Debts incurred to pay the education and training expenses of one or both spouses; 8. Debts incurred to pay just and necessary social expenses; 9. Debt agreed by husband and wife as joint debt; 10, other debts.
Therefore, according to the above provisions, the key to determine whether the credit card debt belongs to the joint debt of husband and wife is to determine whether it is used jointly by husband and wife, such as buying a house or a car for family use with a credit card, so the debt owed is the joint debt of husband and wife.
Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC). Debts jointly signed by husband and wife or ratified by one of them afterwards, as well as debts undertaken by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship, belong to the joint debts of husband and wife.
Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.
Article 1089 of the Civil Code of People's Republic of China (PRC) stipulates that the joint debts of husband and wife shall be paid off jointly at the time of divorce. If the joint property is insufficient to pay off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.