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How long do credit cards keep working after you disappear?
Generally speaking the bank accounts and credit card accounts remain open.  Banks and the credit card companies don't monitor public records on a daily basis.  Instead, whoever is handling your estate will need to obtain copies of your death certificate and they will then search your paper records to identify all accounts (reason to get your act together - there are books on the subject).  The executor will work with the banks and card companies to make sure all your charges and payments clear (common to have them open for months or even a year) and to make close or transfer autopays.  They will make sure to notify the credit agencies to flag your accounts so no new accounts can be created.  MANY copies of the death certicates are needed.