A husband owes a credit card, but fails to repay his wife. He may be jointly and severally liable for repayment. If credit card consumption is used for common family life, it shall be recognized as the joint debt of husband and wife. If one party's credit card debt can be identified as a joint debt of husband and wife, then the other party should also bear it. Otherwise, the other party has no obligation.
Detailed explanation
Even if the credit card consumption is used for family expenses, the wife's personal credit will not be affected, and the personal credit will only be affected by the cardholder himself. The Supreme People's Court's explanation on the application of law in the trial of husband and wife debt disputes
Articles 1 and 1 stipulate that the debts incurred by the husband and wife who jointly sign or one of them ratifies afterwards shall be recognized as the joint debts of the husband and wife.
2. Article 2 stipulates that the people's court shall support the debts incurred by one spouse for the daily needs of the family in his own name during the marriage relationship, and the creditors claim their rights on the grounds that they belong to the joint debts of husband and wife.