is my wife income included in my personal credit card debt bk? we are California residents

Yes, your spouse's income is included in the analyses for eligibility calculations in any bankruptcy case.  Of course her expenses (community expenses) must also be included. My article at https://www.bklaw.com/bankruptcy-blog/2008/07/spouses-income-must-be-included-in-bankruptcy/  provides additional information on this. Feel free to contact me if you have further questions.