Legal analysis: Whether there is an obligation to repay is divided into the following two situations: 1. If the credit card debt belongs to the husband and wife, that is, the debt owed is used for family life, then it belongs to both parties, and the other party of the husband and wife has the obligation to repay. 2. If there is evidence that the credit card debt is a personal debt of one party, then the debt is not the same debt, and the credit card holder should repay the debt personally.

legal basis: according to 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 the latter's ratification by one of them afterwards, and the debts incurred by one of them in his own name for the daily needs of the family during the marriage relationship belong to the same debts of husband and wife. 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.