Legal analysis: Generally speaking, it is not illegal. Credit cards belong to the joint property of husband and wife, and both husband and wife enjoy equal rights to dispose of the joint property. If it is a malicious overdraft, it is suspected of credit card fraud.

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.