Here is what you need to do after the primary cardholder’s death. -Stop Using the Card -Make a List of the Outstanding Credit Card Accounts
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.
State law determines which creditors get the highest priority if your estate cannot satisfy the remaining amount.