What Happens to Your Credit Card Debts when you Die?

Short Answer is that it dies with you IF.....

• It is unsecured debt​​
  • ​Unsecured debt is a loan that is not backed by an underlying asset. Unsecured debt includes credit card debt, medical bills, utility bills and other types of loans or credit that were extended without a collateral requirement.
    
• You are not a joint account
  • If you’re a joint cardholder, meaning you co-signed for the credit card, you’re liable for the debt. Now there’s a difference between a cosigner and an authorized user. If you are the latter, you do not have any legal responsibility for debt accrued on the card.​
    
• If you are not a co-signor
  • If you cosigned the application for a joint account, you entered into a binding contract and continue to be equally responsible for the debt.​
    
• No fraudulent authorized by you use after death
• There is no estate claim by the creditor