Of course, your parents have credit card debt too. If they die with credit card debt and don’t have enough assets to pay off the debt, the debt dies with them. However, if they own a home at the time of death and there is equity in the property, the creditor expects the estate to liquidate the property and repay the debt. If your sister wants to stay in the property at this point, she could take over the property, make the monthly mortgage payments, and find a way to pay off the credit card debt separately. Or if you have cash and your sisters don’t, you can pay off your parents’ credit cards.