Legal analysis: If the ex-husband fails to repay the credit card debt, it may affect the ex-wife. If the credit card money is owed during the marriage, and the ex-husband uses the credit card money for the marriage, it will be recognized by the court as a joint debt of the husband and wife. Once it is considered a joint debt between husband and wife, the ex-wife will need to bear the debt, that is, she will be responsible for the credit card debt. Legal basis: Article 1064 of the "People's Republic of China and the Civil Code" The debts borne by both spouses with the same signature or with subsequent ratification by one spouse, etc., as well as the debts borne by one spouse during the marriage Debts borne in individual names for the daily needs of the family during the relationship 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. Article 1,089 In the event of divorce, the husband and wife's joint debts shall be repaid jointly. If the property of the two parties is insufficient to repay or the property belongs to each other, the two parties shall agree to repay the repayment; if the agreement fails, the People's Court shall make a judgment.