Legal analysis: It's best for both husband and wife to negotiate first to analyze the specific situation. If the credit card is stolen, it can be reported to the police in time. If it is resolved through litigation, the court will judge the responsibility and compensation ratio according to whether the issuing bank, merchants and cardholders are at fault or not. It is illegal to steal credit cards.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China commits the crime of credit card fraud in any of the following circumstances. If the amount involved is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph means that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it after being urged by the issuing bank.