Legal analysis: Whether the credit card borrowed by the husband needs to be returned by the wife depends on whether the credit card is used in the husband and wife's common life. If the credit card borrowed by the husband is used for the common life and daily expenses of the husband and wife, it belongs to the joint debt of the husband and wife, and the wife needs to bear the joint repayment responsibility. The joint debt of husband and wife generally refers to a kind of debt set with the common property of husband and wife as the guarantee of general property.

Legal basis: 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.