Whether the spouse has to repay the credit card debt after death is as follows:

1. If it arose during the marriage and both spouses used the card to make purchases, it should be considered If a husband and wife share the same debt, the spouse will naturally need to repay it. However, generally, credit card debts will be repaid with the cardholder's lifetime property first;

2. If it is not a joint debt of husband and wife, it will be repaid by the heirs of the estate according to regulations. The heirs will naturally need to inherit corresponding debts when inheriting the inheritance. The inheritance will be used to pay off the debts first, and the remaining part will be inherited by the heirs. Of course, if the spouse is the heir to the estate, then the spouse will naturally be responsible for repaying the inheritance.

If an heir commits any of the following acts, he will lose the right to inherit:

1. Intentionally killing the deceased;

2. Killing other heirs to compete for the inheritance;< /p>

3. Abandoning the decedent, or abusing the decedent is serious;

4. Forging, tampering with, concealing or destroying wills, the case being serious;

5. Fraud or coercion means forcing or preventing the decedent from establishing, changing or withdrawing a will, and the circumstances are serious.

Legal basis: Article 675 of the "People's Republic of China and Civil Code"

The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time.