You do not file a joint return for 2024. You husband's final return was for 2023, the year of his death. The Community Property stops at the time of his death- so at that time, there was a negative balance. If you were not a joint owner of the credit card account, you do not have to report as income.
Note: You may need to consult a probate attorney if the estate did not pay off debts before final distribution.
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