Legal analysis: It depends on the specific situation. If the credit card consumption is used for the family to live together, the credit card debt should be regarded as the husband and wife's debt, otherwise, it will be regarded as personal debt. At the time of divorce, the debts owed by the husband and wife who lived together should be repaid together. * * * If the same property is not paid 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.

Legal basis: Article 164 of the Civil Code of the People's Republic of China

The debts incurred by both husband and wife * * * with the same signature or later ratification by one husband and wife, and the debts incurred by one husband and wife in their own name for the daily needs of the family during the marriage relationship belong to the same debt. The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family do not belong to the same debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's * * * life, * * * production and operation, or based on the same meaning of both husband and wife.

article 189th at the time of divorce, the husband and wife shall pay the debts together. * * * If the same property is not paid 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.