Legal analysis: It depends on the specific situation: 1. The credit card debt is used for the family's daily life, and should be regarded as a joint debt of the husband and wife, and should be repaid jointly by both husband and wife. 2. The debt owed by the credit card is used by one spouse for personal life, and is regarded as the personal debt of one spouse, and the other spouse is not responsible for repayment.

Legal basis: Article 1089 of the "People's Republic of China and Civil Code" When divorcing, the husband and wife's debts shall be repaid jointly. If the property of the two parties is insufficient to repay or the property belongs to each other, the parties shall agree to repay the repayment; if the agreement fails, the People's Court shall make a judgment.