Legal analysis: If you lend a credit card to someone else and they don’t repay the loan, the credit card holder should bear legal responsibility. If there is evidence that the other party spent the money, you can sue the other party in court to have the other party repay the loan. If there is no evidence, you can only bear the responsibility for repayment and refuse to repay. If the amount is large, you will be suspected of credit card fraud.

Legal basis: Article 17 of the "People's Republic of China and Civil Code". The following properties acquired by husband and wife during the marriage relationship shall be owned jointly by the husband and wife:

(1) Wages and bonuses;

(2) Income from production and operation;

(3) Income from intellectual property rights;

(4) Inheritance or Property obtained by donation, except as provided for in Paragraph 3 of Article 18 of this Law;