Someone who left an estate in the neighborhood of $10 Million (remember, that was just the life insurance) is likely to have a professional retained to handle the estate. In fact, more than simply an executor/administrator, but also tax counsel and perhaps an accountant. One of the first things that any professional would do is to notify all identifiable creditors of the death.
Bleeding off points post-mortem on Centurion with a $10 Million + estate simply puts the professionals in an awkward and perhaps quite adverse position during the probate and other settlement processes.
This will cause others on the account to be contacted to determine what, if anything, they wish to do about further credit. Best that she get the Centurion issue affirmatively settled and not wait.