Legal analysis: During the marriage, the credit card is of course the joint property of husband and wife. The punishment of credit card needs to be decided by husband and wife through consultation. If the credit card is in debt, both husband and wife need to share the task of paying off the debt. According to the law of our country, the common property of husband and wife also includes wages and bonuses. Defining the joint property of husband and wife is conducive to the clarification and division of property during divorce.

Legal basis: Article 1062 of the Civil Code of People's Republic of China (PRC), the following property acquired by husband and wife during the marriage relationship is the joint property of husband and wife, which belongs to husband and wife:

(1) Wages, bonuses and remuneration for labor services; (2) Income from production, operation and investment; (3) Income from intellectual property rights; (4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law; (5) Other property that should be jointly owned. Husband and wife have equal rights in dealing with common property.