Credit card debts owed by one spouse are used for family life and joint operation, which belong to joint debts of husband and wife, and both parties are liable for repayment within the scope of joint property of husband and wife. If one spouse's credit card debt occurs before marriage, it is also his personal debt, and the other spouse is not liable for repayment. If the husband and wife have an agreement on the distribution and ownership of property during the marriage relationship: each property belongs to themselves and each debt is borne by themselves, then one of them will not be responsible for repaying the card debt; Both husband and wife bear the burden of proof that the creditor knows the agreement.

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 shall be paid off jointly. 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.