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I am divorced, age 65,still have a $70,000 mortgage on my home. I have a will...However, I have about $12,000 in credit card debt...My credit score is perfect, however, my health is not good. I have 2 children...no life insurance, and if I die, will my children be responsible for paying my credit card debt? I am trying to pay it down slowly, but living on social security is hard..I am also disabled. There is equity in my home. So, what will happen if I leave credit card debt when I die? Who has to pay for it? The cards are only in my name..thank you!