If you are the sole owner of the debt when you die, (not married or a cosigner) the credit card companies will be involved in the probate process. The money left in your estate, any retirement accounts, or other items worth money will be sold and the outstanding debts will be paid.
https://www.msn.com/en-us/money/personalfinance/here-s-what-happens-to-tax-medical-other-debt-when-you-die/ss-AAYcje2?ocid=msedgntp&cvid=3cdf2f30a75e444792da21686754e220#image=4
Mws R Writings 