Legal analysis: In principle, debts owed in the name of one party during the marriage relationship should be regarded as joint debts of the husband and wife and should be repaid by both parties. It is difficult to prove that credit card debt is a personal debt. If it cannot be proved that it is an individual debt, it should be regarded as a joint debt of husband and wife. However, if one spouse can prove that the debt is indeed a personal debt of the debtor, then the parties to the marriage who do not owe the debt can fight the creditor's request. There are two main situations in which personal debts are classified. One is when the creditor and the debtor explicitly agree that the debt is a personal debt; the other is when the husband and wife agree that the property acquired during the marriage shall be owned by each other, and the husband or wife shall not own the property to others. If the third party knows the agreement, the debt shall be settled with the property owned by the husband or wife. The agreement between husband and wife regarding the property acquired during the marriage and the property before marriage shall be binding on both parties. If a husband and wife agree that the property acquired during the marriage shall be owned by each other, and the debts borne by either husband or wife to external parties shall be paid off with the property owned by the husband or wife if a third party becomes aware of the agreement.

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 that exceed the daily needs of the family during the marriage are not joint debts of the couple. The creditor can prove that the debt is used for the husband and wife's daily life and production and operation. Or except based on the consent of both husband and wife.