First, confirm whether credit card consumption is used for husband and wife to live together. Used for husband and wife to live together, it belongs to the joint debt of husband and wife, and should be repaid by both parties after divorce; If it is only used for one party's personal consumption, it should belong to the consumer's personal debt and be repaid by him after divorce. In case of divorce according to Article 1089th of the Civil Code, 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.

Legal objectivity:

Article 1089 of the Civil Code: At the time of 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.