Credit card loans do not need to be signed by both husband and wife. The cardholder or the applicant can sign it. When it comes to credit history, it's only about cardholders. However, if the credit card debt belongs to the joint debt of husband and wife, it needs to be repaid by both parties, otherwise it will be repaid by the cardholder.

legal ground

According to article 1064 of the Civil Code, the debts incurred by the husband and wife jointly signed or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.