Legal analysis: The credit card owed by the husband before marriage is his personal debt, and the wife has no responsibility. The wife has no obligation to repay the credit card debt owed by the husband before marriage. However, if the credit card debt is a joint debt between husband and wife, it needs to be paid off. If the debt is not a joint debt but the husband's personal debt, the wife is not obliged to repay it.

Legal basis: "The People's Republic of China and the Civil Code"

Article 1064: Both spouses sign together or one spouse ratifies it later, etc. *The debts borne by the same person, as well as the debts borne by one spouse in his or her own name for the daily needs of the family during the marriage, are the 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.