When the husband is sued for overdue payment of credit card, it belongs to the joint debt of husband and wife, and the wife will be implicated. If the husband's credit card loan is used for the husband and wife to live together, it belongs to the husband and wife's joint debt, and the wife shall bear the repayment responsibility. On the contrary, if the wife has evidence to prove that the loan is not used for husband and wife to live together, she will not be liable for repayment. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife. Article 1064 of the Civil Code of People's Republic of China (PRC) (hereinafter referred to as "Civil Code"), the debts jointly signed by the husband and wife or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily life of the family during the marriage relationship belong to the joint debts of the husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.