Both parties can negotiate their own credit card repayment, or they can negotiate repayment together. At the same time, both husband and wife should repay their debts in time within the time specified by the issuing bank. If they are temporarily unable to repay, they should take the initiative to contact the issuing bank and ask for repayment by installments. The Supreme People's Court's Interpretation on Relevant Issues Concerning the Application of Law in the Trial of Disputes over Husband and Wife's Debt Article 1 A debt jointly signed or ratified by one of the spouses afterwards shall be recognized as a joint debt of the husband and wife. Article 2 During the marriage relationship, the people's court shall support the debts incurred by the husband and wife in their own names due to the daily needs of the family, and the creditors claim their rights on the grounds that they belong to the joint debts of the husband and wife. Article 3 The people's court shall not support the debt incurred by one spouse in his own name during the marriage relationship that exceeds the daily needs of the family, and the creditor claims the rights on the grounds that it belongs to the joint debt of the husband and wife, except that the creditor can prove that the debt is used for the joint life, joint production and operation of the husband and wife or expressed on the basis of the common meaning of the husband and wife.