Legal analysis: On how to pay off the credit card debt in divorce, we should first distinguish whether the credit card debt belongs to the joint debt of husband and wife or the personal debt of husband and wife. If it is a joint debt of husband and wife, it should be repaid jointly by husband and wife. If it is a personal debt, it should be borne by the individual himself. Credit card consumption occurs during the existence of husband and wife, and it is not stipulated as personal debt, which should be recognized as joint debt of husband and wife. However, in reality, there are many cases in which individuals open credit cards without the other party's knowledge, so it is inevitable to directly identify them as the joint property of husband and wife.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1087 In case of divorce, the joint property of husband and wife shall be handled by mutual agreement; If the agreement fails, the people's court shall make a judgment based on the specific circumstances of the property and the principle of taking care of the rights and interests of the children, the woman and the innocent party. The rights and interests enjoyed by husband and wife in the contracted management of family land are protected according to law.

Article 1089 Upon divorce, the joint debts of husband and wife shall be paid off jointly. If the joint property is insufficient to pay off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.