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Hello! My name is Debra (formerly known as Legal Ease). Thank you for your question. I'm reviewing it now, and will post back again shortly.
I am sorry for your loss and for this difficult situation.
But you didn't make a mistake. It doesn't matter if titled vested in you. You could not keep the asset if there were debts. It is the same as he your spouse was living. He could not transfer assets into your name to avoid creditors. That would be considered fraud.
So in fact the credit card company was correct and any assets that were his before he death have to be used to pay taxes and debts before you can have any of them.Does that clarify the law even though it is not what you are hoping to hear?
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Is there anything more I can help you with at this point in time?