The other spouse doesn't necessarily have to pay back the money borrowed from the credit card when a person dies, because only when it is confirmed that the bills generated by the husband and wife are spent together need they be paid back by both spouses. Even if the other spouse dies, the other spouse needs to continue to pay back until it is paid off. However, if the deceased owes it himself before his death and has nothing to do with the other spouse, the other spouse cannot be held responsible. Where a creditor owes debts to one spouse in his own name during the marriage relationship, it shall be treated as the same debts as the husband and wife. Therefore, if the cardholder has no other personal property, the other spouse shall continue to pay. If the cardholder has neither inheritance nor spouse, then the credit card debt as a personal debt can only be treated as bad debt and should not be borne by his parents, brothers and sisters and other relatives.

Legal basis:

Article 164 of the Civil Code of the People's Republic of China * * * The debts incurred by both husband and wife * * * with the same signature or later ratification by one husband and wife, and the debts incurred by one husband and wife in their own name for the daily needs of the family during the marriage relationship belong to the same debt.

The debts incurred by one of the husband and wife in their own name during the marriage relationship beyond the daily needs of the family do not belong to the same debts of the husband and wife; However, the creditor can prove that the debt is used for the husband and wife's * * * life, * * * production and operation, or based on the same meaning of both husband and wife.