A husband owes a credit card, but fails to repay his wife. He may be jointly and severally liable for repayment. If credit card consumption is used for common family life, it shall be recognized as the joint debt of husband and wife. If one party's credit card debt can be identified as a joint debt of husband and wife, then the other party should also bear it. Otherwise, the other party has no obligation. Even if the credit card consumption is used for family expenses, the wife's personal credit will not be affected, and the personal credit will only be affected by the cardholder himself. In addition, in the case that both husband and wife are unable to repay the credit card, if the credit card is maliciously overdrawn to more than 6,543,800 yuan, the criminal responsibility of the husband should also be investigated.

The Supreme People's Court's explanation on the application of the marriage and family part of the Civil Code of People's Republic of China (PRC) (1) Article 33 If a creditor claims rights against the debtor's spouse for personal debts incurred by one party before marriage, the people's court will not support it. However, the creditor can prove that the debt is used for the common life of the married family.