Legal analysis: If the overdraft credit card is during the duration of your marriage, the debt is the same debt, and the bank cards of both parties will be frozen. However, this is excepted if one spouse can prove that the creditor and debtor have clearly agreed that the debt is a personal debt.

Legal basis: Article 1064 of the "People's Liberation Army and Civil Code of the People's Republic of China" Debts, as well as debts borne by one spouse in his own name for the daily needs of the family during the marriage, 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.