Legal analysis: First, the plaintiff did not apply for court property preservation, and the bank account of the defendant's husband and wife was frozen, so the defendant could use the credit card normally. Two, the plaintiff applied for property preservation, the court allowed the plaintiff property preservation, husband and wife as defendants can not use credit cards.

Legal basis: Article 1089 of the Civil Code of People's Republic of China (PRC). At the time of divorce, the joint debts of husband and wife are paid off by both parties. If the joint property is insufficient to pay off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.