from the legal point of view, you are the owner of the credit card, and you have the obligation to repay the consumption that occurs in the normal state of the card, even after you lose the card but before reporting the loss. Banks and courts will not hold your ex-husband accountable for repayment.

what you should do-

1. Pay back the arrears and interest first, otherwise the bank will accumulate interest (late payment fee) and have the right to go to court to force you to repay.

2。 Then sue your ex-husband with the debt as evidence and demand repayment of the debt.

3。 I suggest you tell your husband that you need his understanding and help at this time. It is unwise not to tell her.