"When examining a loved one's credit cards, it's crucial to know whose names were associated with the account. If there was only one name on the credit card account – that of the deceased – the debt may belong only to that person," according to Matt Schulz writing for USNWR. "When you die, your estate – all of the money and property you owned – typically pays off the balance. If there's not enough money in your estate to pay your debts, your creditors may just be out of luck. Your kids and your family typically can't inherit your debts, and the banks can't make someone else pay them."
But things get complicated in community property states (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin. Couples in Alaska can opt-in) where assets and debts acquired during marriage are 'owned" equally by both spouses. Get the details at: money.usnews.com/money/blogs/my-money/articles/2016-10-24/what-happens-to-your-credit-card-debt-after-you-die