The estate, or any person who was listed on the account. The debt must always be settled.
Both owners of a joint credit card are equally responsible for paying off the balance on the card. When one dies the survivor is responsible for the full balance.
An authorized user on a credit card can be responsible on an account in which the primary card holder passes. The creditor looks at the situation as the authorized card holder was able to make purchases with the account, and should be held liable, even in the event of the primary's death.
If the cardholder has an estate, the credit card company can pursue that. In practice they don't really do that. If the account is a joint account, the other account holder becomes wholly responsible for the debt. Otherwise the bank eats the money.
No one. The person left is not responsible for the debt. The credit cards want people to think that the family owes for the deceased debt, but they don't.
The debt of the cardholder dies with them !.. Simply write to the company and inform them that the card-holder is deceased. The company will do their own investigations to check that the information is true - and may require you to send a copy of the death certificate, before they write off the debt.
Certainly, if a credit card had two authorized users but one of them has died, then there is still one authorized user. The account is still open.
The estate covers the bill. If the spouse is still alive, he/she will probably have to cover the bill with the proceeds of the estate. If there aren't enough assets to cover the debt, and the credit account was not joint with anyone else, the credit card company will have to pay it out of their own pocket. Credit card companies cannot force the family to pay the debt. == ==
If the surviving spouse was not an account holder then he or she is not responsible for repayment of the debt. FYI, authorized users are likewise not legally responsible for credit card debt as it is assumed the AU has no control over how the account is handled.
The person(s) named as the account holder. If the account was held jointly then the surviving account holder is responsible for the debt. If the decedent was the sole account holder the debt becomes a part of his or her estate and is handled according to probate laws.
It all depends on what state you live in. Contact the credit card companies they can tell you
No, that would be fraud and/or theft.
Yes.