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。

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。

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。

This report explains how credit card debt and interest are handled after the primary account holder passes away.

本報告將說明主帳戶持有人去世後，信用卡債務與利息的處理方式。

Generally, unpaid debts are paid using the deceased person's estate. The executor uses assets, such as houses and investments, to pay creditors before giving the remaining money to heirs. However, if the estate does not have enough money to cover the debts, unsecured creditors may lose some or all of their money. It is important to note that family members are not usually legally responsible for the deceased person's debts.

一般而言，未償還的債務將使用死者的遺產來支付。執行人會利用資產（如房產和投資）向債權人還款，隨後才將剩餘款項分給繼承人。然而，如果遺產不足以涵蓋債務，無擔保債權人可能會損失部分或全部款項。值得注意的是，家人通常在法律上不需要為死者的債務負責。

Despite this general rule, some legal situations may make a surviving spouse responsible for the debt. This happens if the spouse was a joint account holder or if they co-signed the loan. Furthermore, in states with 'community property' laws, such as California or Texas, debts created during the marriage may be considered joint liabilities, even if only one spouse's name is on the account.

儘管有此一般原則，某些法律情況可能會使生存配偶對債務負責。如果配偶是聯名帳戶持有人或共同簽署了貸款合約，就會發生這種情況。此外，在實行「共同財產」法的州（如加州或德州），婚姻期間產生的債務可能被視為共同責任，即使帳戶上僅有一方配偶的姓名。

Regarding interest, charges usually continue to grow after death based on the original contract. This applies to credit cards, mortgages, and personal loans. Because interest keeps adding up, it is necessary to complete the legal probate process quickly. For survivors who are legally responsible for these debts, they can use strategies such as debt consolidation or negotiate a settlement with the bank to pay a smaller amount.

關於利息，根據原合同，費用通常在去世後繼續增加。這適用於信用卡、抵押貸款和個人貸款。由於利息會持續累加，因此有必要迅速完成法律上的遺產認證程序。對於法律上需對這些債務負責的倖存者，他們可以使用債務整合等策略，或與銀行協商結算以支付較少金額。

Credit debt is usually the responsibility of the estate, but joint ownership and specific state laws can shift this burden to the surviving spouse.

信用債務通常由遺產負責，但聯名所有權及特定州法律可能會將此負擔轉移至生存配偶身上。

This report examines the mechanisms by which credit card debt and associated interest are managed following the death of a primary account holder.

本報告探討主帳戶持有人死亡後，信用卡債務及相關利息的處理機制。

The resolution of outstanding credit liabilities is primarily facilitated through the decedent's estate. Assets, including real property and financial investments, are typically utilized by the executor to satisfy valid creditor claims prior to the distribution of inheritances. In instances of estate insolvency, where assets are insufficient to cover liabilities, unsecured creditors may experience partial or total loss, as familial relation does not inherently establish legal liability for the decedent's debts.

未償還信用債務的解決主要透過死者的遺產來進行。執行人通常會利用資產（包括不動產與金融投資）來償付合法的債權人請求，隨後才進行遺產分配。在遺產不足以償還債務的破產情況下，無擔保債權人可能會面臨部分或全部損失，因為親屬關係並不必然 l 建立對死者債務的法律責任。

Notwithstanding the general rule of estate responsibility, specific legal frameworks may necessitate the transfer of liability to a surviving spouse. Such obligations arise if the spouse was a joint account holder—distinct from an authorized user—or if the debt was co-signed or guaranteed. Furthermore, in jurisdictions adhering to community property laws, such as California, Texas, and Washington, debts incurred during the marriage may be classified as joint liabilities regardless of whose name appears on the account.

儘管一般原則由遺產負責，但特定的法律框架可能會要求將責任轉移至生存配偶。若配偶為共同帳戶持有人（區別於授權使用者），或債務由其共同簽署或擔保，則會產生此類義務。此外，在遵循共有財產法（Community Property Laws）的司法管轄區（如加州、德州與華盛頓州），婚姻期間產生的債務無論帳戶名稱為何，均可能被歸類為共同責任。

Regarding the temporal aspect of debt, interest accrual generally persists post-mortem, governed by the original contractual agreements. This applies to revolving credit, mortgages, and personal loans. While these charges typically remain obligations of the estate, the persistence of interest underscores the necessity of prompt probate proceedings. For survivors who find themselves legally responsible for these balances, mitigation strategies include debt consolidation, balance transfers, or negotiated settlements with creditors to resolve obligations for a sum less than the total balance owed.

關於債務的時間維度，利息累計通常在死後根據原合同協議繼續執行。這適用於循環信用、抵押貸款與個人貸款。雖然這些費用通常仍為遺產義務，但利息的持續增加凸顯了迅速進行遺產認證程序的必要性。對於在法律上須對這些餘額負責的生存者，緩解策略包括債務整合、餘額轉移，或與債權人協商結算，以低於總欠款的金額解決義務。

Credit debt is generally an estate liability, though joint ownership and specific state laws can shift this burden to surviving spouses.

信用債務通常為遺產責任，但共同所有權及特定州法律可能會將此負擔轉移至生存配偶。