My mom has a credit card & then got a card in my name, so I could shop for her. She did not add my name to acct. (I cannot make any decisions, as in change address, increase credit limit, etc). I called the bank & they said I was not responsbile for her debt after she passes away. Just wanted to get some outside "input".
If you have a card, but your name is not on the account, you should not be held responsible for her debt. The only exception I can think of for this is if the card was used to buy things for yourself when your mother's death is imminent. That could be considered fraud, so they could conceivably try to recover the money. Yes, it does happen that relatives have spending parties on credit cards when they think no one will have to pay. I don't know how credit card companies handle this, or if they just accept the loss.
Lisa, when I reread my answer, I thought I'd better add that. My brain skips over things sometimes when I'm talking or writing. I realized I sounded like I thought you might do that. I didn't. I don't even need to see the receipts. :D