Legal analysis: if one party owes money on a credit card, if it uses the money on the credit card for the husband and wife to live together, the card debt belongs to the husband and wife's joint debt, and the bank can sue both husband and wife for repayment; However, if there is evidence that the debt is not used for the husband and wife to live together, such as the man's gambling or drug abuse, the woman can not pay the debt.

Legal basis: Article 33 of the Supreme People's Court's Interpretation on the Application of Marriage and Family Compilation in the Civil Code of People's Republic of China (PRC) (1) The debts incurred by one husband and wife after signing or ratifying jointly, as well as the debts incurred by one party in his own name for the daily life of the family during the marriage relationship, belong to the joint debts of 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.