Legal analysis: If it belongs to the same debt of husband and wife, it needs to be repaid by both husband and wife. If it belongs to the personal debt of one husband and wife, it does not need to be repaid by the other party, especially by itself. Methods of determining whether credit card belongs to husband and wife's debt:

1. In judicial practice, when determining that credit card debt is husband and wife's debt, the court mainly considers whether credit card consumption is mainly used for family life, and if it is used for family life, it should be considered as * * * debt;

2. Secondly, it is the burden of proof that the credit card debt belongs to the same debtor: only when there are real consumption records, relevant original evidence, consumption from the credit card and the authenticity, legality and relevance of the evidence are available can the credit card debt be proved to be the same debt of husband and wife.

legal basis: according to article 164 of the civil code of the people's Republic of China, the debts incurred by both husband and wife * * * with the same signature or the latter's ratification by one of them afterwards, and the debts incurred by one of them in his own name for the daily needs of the family during the marriage relationship belong to the same debts of husband and wife.

The debts incurred by one of the husband and wife in their own name during the marriage relationship beyond the daily needs of the family do not belong to the same debts of the husband and wife; However, the creditor can prove that the debt is used for the husband and wife's * * * life, * * * production and operation, or based on the same meaning of both husband and wife.