Legal analysis: Externally, the credit card account owner should repay it. Internally, the account owner can seek repayment from a third party (that is, the husband). However, if the husband can prove that the credit card overdraft money was used for daily household purposes If so, it is a joint debt between husband and wife.

Legal basis: Article 1064 of the "People's Liberation Army and Civil Code of the People's Republic of China" Debts, as well as debts borne by one spouse in his own name for the daily needs of the family during the marriage, are joint debts of the couple. Debts borne by one spouse in his or her own name beyond the daily needs of the family during the marriage are not joint debts of the couple; however, the creditor can prove that the debt is used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses.