The husband died and the wife owed money on the credit card. If the credit card debt is a joint debt of husband and wife, even if one spouse dies, the other spouse will still have the obligation to repay it while he is alive; if the credit card debt is not a joint debt of husband and wife, but is a personal debt of one party, the debt shall be repaid by the other spouse. The other party, as the first heir, will repay within the scope of his inheritance. Article 1161 of the "People's Republic of China and Civil Code" stipulates that the heir shall pay off the taxes and debts that the deceased should pay according to law within the actual value of the inheritance received. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs. If the heir gives up the inheritance, he will not be liable for the taxes and debts that the decedent should pay according to law.

Legal Basis

Article 1161 of the "People's Republic of China and Civil Code" The principle of payment of taxes and debts of the deceased shall be based on the actual value of the inheritance received by the heir. To pay off the taxes and debts that the deceased should pay according to the law. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs. If the heir gives up the inheritance, he will not be liable for the taxes and debts that the decedent should pay according to law.