Who will pay your debt in credit card when you die?

I used to have 4 credit card from famous banks (local and international), after covid hits and i choose to move to my hometown, not working in Jakarta anymore, i dragged myself into a lot of debt because i'm not ready leaving my jakarta's lifestyle (FYI i always pay all of my credit card expenses on time, full payment when i was in Jakarta). Long story short it took 2 years to pay all of the debt and now i closed all of my credit card and now i am debt free. Something we need to know about credit card is, its not extra money, its debt, so when we use it, make sure we have money to pay it full payment. I got a lot of cashback and another privillege while having them. But now, after move to my hometown, we learned the hard way that we have to leave Jakarta's lifestyle and i'm good now and i'm still enjoying life to the fullest *sorry i'm talkinh too much

Looks like @Vikingswest1 gave you the correct answer.

I use my credit card to pay my grocery and all my common expenses. I pay the balance every end of the month. Should I die my husband would do, it makes no difference our bank account is in both names.

I don't have any credit cards but if I did, in the US, insurance will pay any debt if I die and there is still balance owing on a credit card.

@Ifa225 I don't have any debt.If I don't have money to buy a particular thing;I would prefer to live without it.

Credit card is Ok if can control it. CC for make simple... So debit must more much in balance

Interesting question. I use credit - it can be a very useful tool - as long as it is wielded to your advantage - but it can get out of control REALLY fast - so hold tight to those reins! What I don't like is the CC company periodically increases your credit limit - I hate that. They keep pushing a higher credit. I like to keep it low - and just have enough for an emergency situation - and pay it off each month. I was told, that any debt belongs to the cardholder only - so, technically, a spouse who is not personally named on the card isn't legally liable, however, two things - I would feel morally responsible and I'm sure CC companies have the clout to go after anyone they think could pay them back.

If it’s your personal card , no one directly.

We only use credit cards for emergencies or for a big purchase. We have enough in savings to pay the card off when we get the bill.

I I surrendered my credit card, What was the response of your husband?

As long as I was married, I never once looked in my husband's wallet. We were married 21 years before we divorced. No one will pay my credit card debt. I don't own a credit card or have any debt.

Credit cards are a very bad idea unless it is a card that offers rewards and you pay the balance in full each month. As for who pays for the debt when you die? Your spouse does. Beyond that, your estate does if there is not a surviving spouse.

That's why I also don't want a credit card. I am okay with debit since most banks now offers card with debit right away.

I don't have a credit card, and have no interest in having one. Living without debt is my dream.

I haven't thought about this question yet. I don't know how the bank deals with it. I think the spouse is responsible to pay for the debts if one of them passed away.