Consider this as a thought experiment – before his death (knowing he was about to die), your father purchases things for the family – say a car or furniture.
Are you saying that the card company has no implied lien on those? In my mind, yes.
Instead, if the money was spent on liquour, gambling and even ‘good’ lifestyle expenses, then how can the bank expect anything from the estate?
So, as always, the answer is “it depends”.