What Happens to Credit Card Debt After Death
死後信用卡債務如何處理
Introduction
This report explains who pays credit card debt when a person dies.
本報告將解釋當一個人去世後，由誰來支付信用卡債務。
Main Body
When a person dies, their money and house pay the debt. This is called the estate. If the person has no money, the family does not have to pay the debt.
當一個人去世時，其金錢和房產將用於償還債務。這被稱為「遺產」。如果該人沒有財產，家人不需要償還該債務。
Sometimes a husband or wife must pay. They pay if they shared the account. In some US states, the law says both people in a marriage share all debt.
有時配偶必須償還。如果他們使用共同賬戶，則需負責支付。在美國某些州，法律規定婚姻中的雙方需共同分擔所有債務。
Interest still grows after a person dies. This makes the debt bigger. People can talk to the bank to pay a smaller amount of money.
即使在人去世後，利息仍會繼續增加。這會導致債務金額上升。後續處理人可以與銀行協商，嘗試支付較少的金額以結清債務。
Conclusion
The dead person's money usually pays the debt, but a spouse might pay in some cases.
通常由死者的財產償還債務，但在某些情況下，配偶可能需要償還。
Vocabulary Learning
⚡ The 'Must' Rule
In the text, we see: "a husband or wife must pay."
Use MUST when something is a rule or 100% necessary.
Simple Patterns:
- Rule → Must
- Necessity → Must
Examples from the world:
- Stop sign → You must stop.
- Passport → You must have a passport to travel.
- Water → Plants must have water to grow.
🧩 Word Connections
Look at how words change to show 'who' or 'what' owns something:
Person → Person's (The money of the person)
Try this logic:
- Friend → Friend's house
- Teacher → Teacher's book
- Cat → Cat's toy