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Fortunately, your family isn’t responsible for your credit card debt after you die as long as they aren’t a cosigner or joint account holder. Instead, credit card debt is settled from your estate.
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A decrease to the bank's liability account is a debit. From the bank's point of view, when a credit card is used to pay a merchant, the payment causes an increase in the amount of money the bank is owed by the cardholder. From the bank's point of view, your credit card account is the bank's asset. An increase to the bank's asset account is a debit.