The joint debt of husband and wife is the debt owed by both husband and wife or one of them to the third party for the common life of husband and wife during the marriage relationship.

Includes the following aspects:

(a) the property purchased by one party with a pre-marital loan has been converted into the joint property of husband and wife, and the debts arising from the purchase of these properties;

(two) the debts incurred by the husband and wife because of the common life of the family;

(three) the debts incurred by the husband and wife in their joint production and business activities, or the debts incurred by one party's business income used for family life or jointly owned by the husband and wife;

(4) debts incurred by one or both spouses in treating diseases within the scope of legal obligations;

(five) debts incurred by raising children;

(six) debts incurred by supporting the elderly who have the obligation to support;

(seven) debts incurred to pay the education and training expenses of one or both spouses;

(eight) debts incurred to pay legitimate and necessary social communication expenses;

(nine) the debts agreed by the husband and wife agreement are joint debts;

(ten) other debts that should be recognized as joint debts of husband and wife.

One party's overdraft credit card is not a debt of common life, so it is not a joint debt of husband and wife.