Legal analysis: the husband owes a credit card when he dies, which has nothing to do with his wife. Legally speaking, credit cards are all personal. If there is no repayment, personal credit history will be stained. After a long time, it will be blacklisted by banks, and it will be impossible to handle loans and other businesses in banks for a long time. For those who owe money, the bank will exercise the right of dunning according to law. Simply put, it is all kinds of phone harassment and sending dunning letters. If the arrears are not paid and the amount is large, the bank will sue, and the court will intervene in fraud and go to jail. But if the money owed by the husband to the credit card is used for the husband and wife to live together, it has something to do with the wife.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(1) Using a forged credit card;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.