When a credit card holder dies and the bank is notified and sent a death certificate aren't they supposed to freeze the account and stop adding interest and late charges?

Yes, when a credit card holder dies and the bank is notified with a death certificate, the account is typically frozen to prevent further charges. Most banks will halt interest accrual and late fees as part of this process. However, the specific policies can vary by institution, so it's essential for the estate executor or family members to communicate with the bank to understand the exact terms and conditions.