Define the nature of the debt first, and then the heir or spouse will repay it within the scope of his inheritance. If the credit card debt belongs to the joint debt of husband and wife, the other party shall repay it with the joint property of husband and wife. If the credit card debt belongs to personal debt, the spouse, as the first heir, should repay the debt within the share of the inheritance.

legal ground

Article 161 of the Civil Code: 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. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. 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.