Are you responsible for your husband's credit card debt if he dies but you are not on his accounts?

If you are not currently responsible for your husband's credit card debts, that situation would not change upon his death. Howvever, his estate might be expected to pay off the balance of any money owing. Whether or not that happens depends on how his estate is bequeathed, planned and managed. Speak to your husband about his will, insurance and estate planning (or the lack of such). You may have to take your question to attorney who is familiar with your state's inheritance laws to get specific information.