Credit card loans do not need to be signed by both husband and wife. The cardholder or the applicant can sign it. When it comes to credit history, it's only about cardholders. However, if the credit card debt belongs to both husband and wife, it needs to be repaid by both parties, otherwise it will be repaid by the cardholder.

legal ground

According to article 1064 of the Civil Code, the debts incurred by both husband and wife with the same signature or by one party after the event, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint 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.