Legal analysis: Generally speaking, after the death of a natural person, the legal identity of the natural person will be eliminated, and the creditor-debtor relationship involved by the natural person will be eliminated accordingly. But that doesn't mean that a person doesn't need to pay back the money after he dies. After the husband's death, if there is any property left in his name, the repayment responsibility of the credit card can of course be paid off directly with the inheritance. However, it should be noted that if the husband's estate can't repay all debts, if the wife signed a bilateral agreement when issuing the card, that is to say, this credit card was handled by both parties together, then the issuing bank can recover the wife's responsibility. Therefore, in order to confirm the wife's repayment responsibility, we must first determine who did this credit card. In other words, the agreement signed between the husband and wife and the issuing bank is a bilateral agreement or a unilateral agreement. For a credit card that is only handled by the husband, after the husband dies, the wife does not need to bear additional liability for repayment.

legal basis: according to article 164 of the civil code of the people's Republic of China, the debts incurred by both husband and wife * * * with the same signature or the latter's ratification by one of them afterwards, and the debts incurred by one of them in his own name for the daily needs of the family during the marriage relationship belong to the same debts of husband and wife. The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family do not belong to the same debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's * * * life, * * * production and operation, or based on the same meaning of both husband and wife.