Is credit card secured or unsecured debt?

[User_c69a656d]

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User_c69a656d
PARTICIPANT
January 23, 2025 at 11:35 am

My father died and he had some credit card bill due to medical expenses.

My question is, do I have to pay the credit card bill. My father left assets but they are liquid right now and I don’t have money to pay the credit card bills.

I searched online and answer is not clear. Some mentioned that credit card debt taken from assets left, that means it is secured debt. If it is secured debt how can they charge huge interests.

Please someone clarify it and is there any law regarding this.

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[Braveanvi8270]

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Braveanvi8270
PARTICIPANT
January 23, 2025 at 11:40 am

Unsecured debt – credit card outstanding amount can’t be legally taken by card issuer unless someone volunteers to pay up.

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[Indianshivansh3984]

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Indianshivansh3984
PARTICIPANT
January 27, 2025 at 6:39 am

Credit card debt is unsecured debt.
It can only be recovered from the deceased person’s estate, but that too only after filing and winning a civil suit for it.

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