The credit card debt in the husband’s name is not a joint debt of the husband and wife, but a personal debt of the husband. Since the party involved has died, it is invalid to sue the wife. The wife is not jointly and severally responsible for the debt, so she has the right to refuse to pay. Even if you file a lawsuit in court, you can defend against non-performance of the debt. Because the wife did not sign the entire credit card credit relationship. Unless the bank has evidence that the amount owed was possessed by the wife for the purpose of illegal possession, it has the right to demand repayment. Otherwise, it has the right to protest. The credit card center lost the lawsuit because there is no loan relationship with the credit card center and it is not a loan relationship. Malicious third party.