Legal analysis: Generally speaking, natural persons should be responsible for their own actions. This is the principle of self-responsibility in civil law. Therefore, if the husband fails to repay his credit card, the wife should not be responsible for repaying it. However, since the union of husband and wife has been legally registered, they are a close homogeneous entity, not only a homogeneous body of personal relations, but also a homogeneous body of property relations. They need to provide services for each other and their spouses. The same body itself bears certain responsibilities. Therefore, the husband's failure to repay his credit card may involve damage to the spouse's property. Because the card issuing bank can file a lawsuit with the People's Court and ask the court to enforce the husband's personal property.

Legal basis: Article 1064 of the "People's Liberation Army and Civil Code of the People's Republic of China" Debts, as well as debts borne by one spouse in his own name for the daily needs of the family during the marriage, are joint debts of the couple.

Debts borne by one spouse in his or her own name during the marriage, which exceed the daily needs of the family, are not joint debts of the couple; however, the creditor can prove that the debt is used for the joint purpose of the couple. Exceptions include life, sex, production and operation, or based on the consent of both spouses.