How are credit cards handled in division of property?

Are personal credit cards part of the overall combined debt? Or is each party responsible for her own credit card debts?

My wife purchased a lot of items on my credit card(s). She has no Credit Cards because of her very bad credit rating. After I found out that she was using my cards I blocked her from using my cards. Is she responsible for half the debt on my credit cards, or am I responsible since they are in my name only?

Yes, you are responsible for the debt. You can draft a proposed agreement with her where she assumes the cc debt accrued during the marriage. Otherwise, it’s treated as a marital debt and will be distributed evenly along with other marital assets and debts.