by 
The Curious Bag
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What happens to credit card debt after a person dies depends on a number of factors, such as the place of residence, who applied for the card and whether the deceased held the account alone.
Lone Holder
If the deceased held the account alone, the estate of the deceased must pay the account balance.
Wills
In case of a will, the executor of your estate determines the order in which bills are paid, then distributes the remainder of the estate to the heirs.
Absence of a Will
If no will exists, state law determines what happens to the estate of the deceased.
Insufficient Funds
In case of a single account holder whose estate cannot cover the credit card bills, the creditors receive notification of that and write off the debt. No one else inherits the debt.
Joint Accounts
If someone else signed the credit card application with the deceased, he along with the estate may be liable for the account balance. Other parties who have authorization to use the card but did not co-sign the application do not bear any responsibility for the bill.
Community Property States
In some community-property states, spouses may inherit debts along with assets that a couple accumulates during their marriage.
Source:
Creditcards.com: What Happens to Credit Card Debt After Death?
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