Legal analysis: If the money withdrawn by the husband from the credit card is used for the husband and wife to live together, it belongs to the husband and wife's debt, and the wife needs to repay it together; If the money drawn by the credit card is used by the husband himself, it is a personal debt and the wife does not have to repay it.

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 in their own name during the marriage relationship beyond the daily needs of the family do not belong to the same debts of the 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.