Legal analysis: the handling method of divorce credit card for husband and wife needs to be different according to the specific situation. First, credit card debt is used for family life and joint operation, so it belongs to the joint debt of husband and wife, and both husband and wife share the repayment responsibility; Second, credit card debt is used for personal expenses of one spouse, or engaged in illegal activities, such as gambling and usury. The other spouse is not liable for repayment.

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 are paid off by both parties. 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.