-Stop Using the Card -Make a List of the Outstanding Credit Card Accounts -Notify the Creditors and the Credit Bureaus -Clear the Outstanding Credit Card Debt -Do Not Make the Payment If You Are an Authorized User
After your death, your assets are used to repay your credit card debt. Then, the remaining assets are distributed to your heirs. The executor of your estate takes care of all these things.
That means that your estate is insolvent. In this situation, your heirs may have to repay your credit card debt. However, it depends on several factors.