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Good afternoon, thank you for your question, I am sorry to hear of your situation. You have a couple of options, you could contact RBS and inform them of the above, I assume the other card was with a different bank. Alternatively you could ask them what they would accept as a settlement figure, say offer them £1,000 and ask everyone to send you back some money. If you were unaware of RBS then you can tell them that they won't get too upset, it happens all the time.
There is no time limit but they can't sue you after six years. However, I would simply explain that you were not aware of the card, the estate had little funds and what there was has been distributed. It is unlikely they will pursue it.
Thank you, ***** ***** me again if you have further concerns.