Marital debt is defined as debt directly traceable to the acquisition of a marital asset.  An example of marital debt is a mortgage attached to the marital home or a car loan used to purchase a vehicle.  The mortgage or car loan would be considered marital debt.  Credit card debt is typically not considered marital debt unless it was used to purchase marital assets.  When credit cards are used to pay for normal family expenses or vacations, those charges are not considered marital debt.