Credit card overdraft consumption occurs during the existence of husband and wife. If it is not specified that it is a personal debt, it should be considered as a joint debt of husband and wife. At the time of divorce, the debts owed by the husband and wife who lived together should be repaid together. The debts incurred by husband and wife for the family * * * are the same debts for husband and wife. According to Article 164 of the Civil Code, which came into effect on January 1, 221, the debts that both husband and wife * * * sign with the same meaning or one of them ratifies afterwards, and the debts that one of the husband and wife owes for the daily needs of the family in his own name during the marriage relationship belong to the same debts. The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family do not belong to the same debts of 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.