It depends on where you live and whether you are solely responsible for the credit card or have a co-signed account. In common law states, you are personally accountable for debt under your name and both people are accountable for debt incurred under both names. In community states, both spouses are responsible for debts incurred during the marriage, and they are thus divided evenly. There are exceptions to the rule, such as whether the couple had a prenup, whether debt was accumulated during an affair or other illicit activities, or whether a judge makes a decision based on how expenses were incurred i.e., household items.