If someone else uses the credit card, you can sue him if he dies. It’s safe. If the person who owes money dies, the creditor can sue his heirs. Because if the debtor dies, his debts should be repaid by the heirs within the scope of the inheritance. However, the heirs do not need to repay debts beyond the scope of the inheritance. If the heirs give up the inheritance, they will not be repaid. Need to be held liable for the debts of the deceased. This is the legal rights and interests of citizens protected by law and are safe.