Opher Ganel
1 min readApr 27, 2024

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I'm not sure how much more there is to do, Brian. It's just that instead of 'just' collecting a bunch of documents, you can (and thus want to) provide online access to many accounts too.

Canceling credit cards makes sense when you die if you were the primary account holder (the issuer won't allow the account to simply transfer to an authorized user).

The good news is that if you didn't leave much in the way of assets in your estate, any balance owed will likely be written off by the issuer (https://www.cardratings.com/what-happens-when-someone-dies-with-credit-card-in-their-name.html) so your spouse won't be on the hook for that (even if she was paid a death benefit from a life insurance policy). That's as long as she was an authorized user rather than a co-owner who co-signed when opening the account.

Your spouse or partner will want to retain her cards to ensure access to cash if needed.

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Opher Ganel
Opher Ganel

Written by Opher Ganel

Consultant | systems engineer | physicist | writer | avid reader | amateur photographer. I write about personal finance from an often contrarian point of view.

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