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What to do if one spouse dies and owes credit cards

Depends on the situation: First, if the credit card debt is the personal debt of the deceased party, the debt will be repaid by the heirs within the actual scope of the inheritance; second, if the credit card debt is the debt of both husband and wife If the debt is the same as that of the deceased, the debt will be repaid by the spouse of the deceased. Article 1064 of the Civil Code: Debts borne by both spouses with the same consent, or with the consent of one spouse after the fact, or with the consent of both spouses, as well as the debts borne by one spouse in his or her own name for the daily life of the family during the marriage. Debts incurred for daily necessities are joint debts of husband and wife. Debts borne by one spouse in his or her own name beyond the daily needs of the family during the marriage are not joint debts of the couple; however, the creditor can prove that the debt is used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses.