If the credit card debt owed by one spouse is used for the same life and business of the family, it is the same debt as the husband and wife, and both parties are within the scope of the same property as the husband and wife. There is a repayment responsibility; if a couple owes a credit card debt for their personal expenses or engages in illegal activities, such as gambling, loan sharking, etc., the other spouse does not have to bear the repayment responsibility.

Legal Basis

According to Article 1064 of the Civil Code that came into effect on January 1, 2021

Both husband and wife*** Debts borne by the same consent of the spouses, such as signatures or subsequent ratification by one spouse, and debts borne by one spouse in his or her own name for the daily needs of the family during the marriage, are joint debts between the spouses.

Debts borne by one spouse in his or her own name during the marriage, which exceed the daily needs of the family, are not joint debts of the couple; however, the creditor can prove that the debt is used for the joint purpose of the couple. Exceptions include life, sex, production and operation, or based on the consent of both spouses.