If the credit card owed by the husband after his death is used for the husband and wife to live together, then the wife needs to pay off the debt. In addition, if it is recognized as her husband's personal debt, then her wife should bear the debt within the scope of inheritance. According to the provisions of the first paragraph of Article 164 of the Civil Code, the debts incurred by the husband and wife with the same signature or the ratification of the husband and wife afterwards, as well as the debts incurred by the husband and wife in their own name for the daily needs of the family during the marriage relationship, belong to the same debts of husband and wife. Article 161 stipulates that the successor shall pay off the taxes and debts that the decedent should pay according to law within the limit of the actual value of the estate obtained. If the part exceeds the actual value of the estate, the heir will voluntarily repay it. If the heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law. Legal objectivity:

The debts incurred by both husband and wife in the first paragraph of Article 164 of the Civil Code, such as * * * same signature or later ratification by one of the husband and wife, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the same debts of husband and wife. Article 161 The successor shall pay off the taxes and debts that the decedent should pay according to law within the limit of the actual value of the estate obtained. If the part exceeds the actual value of the estate, the heir will voluntarily repay it. If the heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law.