End Game

𝗖𝗮𝗻 𝘆𝗼𝘂 𝗶𝗻𝗵𝗲𝗿𝗶𝘁 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱 𝗱𝗲𝗯𝘁? 𝗧𝗵𝗲 𝗮𝗻𝘀𝘄𝗲𝗿 𝘁𝗼 𝘄𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝘁𝗼 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱 𝗱𝗲𝗯𝘁 𝗮𝗳𝘁𝗲𝗿 𝗱𝗲𝗮𝘁𝗵.

Death and taxes are certain. But what happens to credit card debt after death can be downright confusing.

𝗖𝗮𝗻 𝘆𝗼𝘂 𝗶𝗻𝗵𝗲𝗿𝗶𝘁 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱 𝗱𝗲𝗯𝘁?
The quick and simple answer: no
You also won’t pass on credit card debt owed solely in your name to loved ones after your own death.

𝗪𝗵𝗮𝘁 𝗮𝗯𝗼𝘂𝘁 𝗷𝗼𝗶𝗻𝘁 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱𝘀?

If the credit card account in question was opened together with someone else as a co-borrower (or co-signer), then the co-borrower is equally responsible for making payments and can inherit credit card debt if the other dies.
Emphasis on the word co-borrower here.

𝗪𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝘁𝗼 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱 𝗱𝗲𝗯𝘁 𝗮𝗳𝘁𝗲𝗿 𝗱𝗲𝗮𝘁𝗵?
When someone dies, all the assets and belongings tied to their name will become part of what’s called an estate. Any debts owed to creditors will be paid back from this estate.

Only after debts are paid off by the estate will the remaining assets be distributed to beneficiaries according to the deceased’s will (or based on provincial intestate laws, if no will was signed).