Legal analysis: Responsible. The wife owes a credit card and cannot pay it off. If the money owed is used for the wife's life, the husband is responsible for paying it back. In other cases, he is not responsible for paying it back. Overdue credit card repayments will face the following consequences: 1. Overdue credit card late payment fees. 2. Overdue interest. 3. Bad credit record. 4. Litigation costs. 5. Criminal liability for malicious overdraft.

Legal basis: Article 253 of the "Civil Procedure Law of the People's Republic of China" If the person subject to execution fails to perform the payment obligation within the period specified in the judgment, ruling and other legal documents, The interest on the debt during the period of delayed performance should be doubled. If the person subject to execution fails to perform other obligations within the period specified in the judgment, ruling or other legal documents, he shall pay a delay performance fee.