Legal subjectivity:

Depends on the specific circumstances. If the credit card debt is used for the joint life of the family, it should be regarded as a joint debt of husband and wife, otherwise, it will be regarded as a personal debt. If a debt borne by one spouse in his or her own name for the daily needs of the family during the marriage relationship exists, and the creditor claims that it belongs to the same debt of the couple, the People's Court shall support the claim. Article 1089 of the Civil Code: In the event of divorce, the husband and wife's 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. The law is objective:

Article 1089 of the Civil Code: When divorcing, the husband and wife's debts must 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. "Interpretation (1) of the Supreme People's Court on the Application of the Marriage and Family Section of the People's Republic of China and the Civil Code" Article 36: If a husband or wife dies, the surviving party shall provide legal assistance to the couple during the marriage relationship. Responsible for repaying the same debts.