Thank you for your question. I am happy to assist you.
My condolences on the passing of your husband.
Sadly, you may be liable for the credit card debt.
Typically, a spouse will not be liable for items that were purchased on her husband's credit card. However, a spouse is liable for the other spouse's necessaries. Necessaries are, simply put, necessities, such as medical bills or a hotel to receive medical treatment. Since this is the bulk of the credit card debt that you incurred, you are likely personally liable for it.
Additionally you may be liable because you used the card.
You may use the estate assets to pay the credit card bill. However, unfortunately the creditor may be able to collect the balance from you personally.
I hope that I have fully answered your question and the information was helpful to you.
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