Thank you for the info. What I meant to say was that she had a card in her name as an "employee" so she was not using it fraudulently, but she was not an originator of the account so she could not close it even though he was her husband.
A friend has recently lost her husband who was self employed. She is trying to cancel his business credit card and was told that she needs to send the bank a copy of his death certificate. She is able to use the card as an "employee" but was not listed as a co-signer initially. She is hesitant...