It depends on the specific situation. If the credit card debt is used for the family's joint life, it should be considered a joint debt. After the court makes a judgment, the couple must repay it jointly, otherwise the court may freeze the marital property. If the credit card debt is not used for family life, it is the debt of the borrower, and the other spouse does not need to bear the repayment responsibility. Article 1064 of the Civil Code: Debts borne by both spouses with the same signature or with subsequent ratification by one of the spouses, etc., as well as debts incurred by one spouse in his or her own name for the family during the marriage. Debts incurred for daily needs are joint debts of husband and wife. 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.