Legal subjectivity:

No, but it will affect life. Serious consequences of an overdue credit card: 1. Overdue interest and late payment fees; 2. Bad credit record; 3. The bank will charge for collection and you may face criminal issues. If the cardholder forgets to repay the card and finds that it is overdue, he or she must repay the card as soon as possible, preferably in full. The law is objective:

Article 1064 of the Civil Code: Debts borne by both spouses with the same signature, or with subsequent ratification by one spouse, etc. Debts borne in an individual's name for the daily needs of the family during the marriage relationship are joint debts of the husband and wife. Debts borne by one spouse in his or her own name beyond the daily needs of the family during the marriage are not joint debts of the couple; however, the creditor can prove that the debt is used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses. Article 1089. In the event of divorce, the husband and wife's joint debts shall be repaid jointly. If the property of the two parties is insufficient to repay or the property belongs to each other, the parties shall agree to repay the repayment; if the agreement fails, the People's Court shall make a judgment.