Legal analysis: the husband owes credit card money to go to jail, which will not implicate his wife in jail, but the wife must bear the credit card debt and return it during her husband's imprisonment. Of course, the wife is only responsible if the credit card debt is recognized as the joint debt of husband and wife. It is only the husband's personal debt, and the wife can not fulfill her debt obligations. Since it can't be judged as a personal debt in most cases, both husband and wife need to bear the repayment obligation.

Legal basis: Article 1065 of the Civil Code of People's Republic of China (PRC) stipulates that the property acquired during the marriage relationship and the pre-marital property are owned separately or jointly, or partly owned separately and partly jointly. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1063rd of this Law shall apply. The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties. The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband and wife should be used to pay off the debts owed by the husband and wife.