legal analysis: it will not affect. Ex-husband's credit card debt is a debt owed by his personal name for the daily needs of the family during the marriage, and his ex-wife is responsible during the marriage; The ex-wife is not responsible for debts that exceed the daily needs of the family in her own name. And it won't affect children.

legal basis: according to article 164 of the civil code of the people's Republic of China, the debts incurred by both husband and wife * * * with the same signature or the latter's ratification by one of them afterwards, and the debts incurred by one of them in his own name for the daily needs of the family during the marriage relationship belong to the same debts of husband and wife. The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family do not belong to the same debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's * * * life, * * * production and operation, or based on the same meaning of both husband and wife.