You still need to return it. The cardholder leaves an inheritance after his death, and if there is an heir, the credit card arrears will be repaid by the heir. If only the inheritance has no heir, you need to apply to the bank to deduct the credit card debt with the inheritance. The second is that people die without inheritance, which is more complicated. For example, if there is a marriage relationship, then if the cardholder dies and there is no personal debt in the marriage relationship, the spouse needs to return the arrears. Without a spouse and inheritance after death, banks can only deal with bad debts.

Credit limit refers to the maximum overdraft limit given to your credit card by the bank when approving your credit card. You can only spend by credit card within this limit. Beyond this limit, there will be no++frequent consumption by swiping the card.

What is the credit card limit? At present, there is no explicit provision, and the provisions of various banks are not completely consistent, but there will be a general scope. For example, the general card is 3000-8000, and the gold card is 8000- 1W, which is just the general application scope of credit card limit. The specific situation depends on the amount after getting the card.

The credit limit is based on the comprehensive evaluation of the information filled in when you apply for a credit card and the relevant supporting documents provided. The main card and the supplementary card enjoy the same credit limit. Under normal circumstances, the RMB limit and the US dollar limit of dual-currency credit cards are interchangeable. For example, your limit is 30,000 RMB. If you use a card abroad, your credit limit is equivalent to about 5,000 US dollars.

The bank will adjust the credit limit regularly, but you can provide relevant financial proof on your own initiative and request to adjust the credit limit. In addition, when you need to get a higher credit line in a certain period of time when traveling abroad or moving, you can ask for a higher temporary credit line.

Precautions for credit card use:

1, pay attention to consumption

In addition to enriching the types of credit card consumption, credit cards should also ensure the amount of consumption, and occasionally there are several large purchases. In addition, we should also pay attention to avoid spending money in the same place often. Some friends spent a lot of money several times, and the bank did not approve the withdrawal, but frozen the credit card because of the risk of cashing out.

2. Pay attention to quotas

Friends who want to increase the credit card limit must pay more attention to the changes in the active credit card limit, especially the use limit and available limit. The higher the proportion of the credit line used in your credit card, the higher the probability that the withdrawal application will pass.

3. Inquire about credit information

If the cardholder has met the conditions for withdrawing cash from the credit card, it is best to check the personal credit first. Credit information has a great influence on credit card withdrawal, and only a good credit record can guarantee the success rate of cash withdrawal.

If someone dies, can I still use my credit card?

Married: After the cardholder dies, the spouse continues to pay off the credit card debt. If the cardholder divorces his spouse, there is no need to repay the credit card debt.

Unmarried: after the cardholder dies, there is no need to repay the credit card debt. If there is a legacy, it is another matter.

Inheritance: the heir inherits the debt and inheritance, and the bank recovers the credit card debt from the heir, and the credit card debt needs to be paid back.

Inheritance: Heirs have the right to choose not to inherit the inheritance. No inheritance, no debt, no credit card debt.

According to the provisions of Article 19 of the Marriage Law of the People's Republic of China, the husband and wife agreed that the property acquired during the existence of the marriage relationship should be owned by each other. If a third party knows this agreement, it should pay off all the property of the husband and wife.

According to Article 33 of the Inheritance Law of People's Republic of China (PRC), inheritance should pay off the taxes and debts that the decedent should pay according to law, and the payment of taxes and debts is limited to the actual value of his estate. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not bear the taxes and debts that the decedent should pay according to law.

Because there will be many problems after the death of the cardholder, relatives should go to law firms and banks to consult specific matters.

People are dead, do you still have to pay off the credit card debt?

After a person dies, the credit card will still be paid back, because everyone's debts will not disappear because of a person's death, and creditors have the right to continue to recover the remaining debts from the credit card users after a person's death.

When a person dies, the credit card center inquires. If there is an inheritance under this person's name, the inheritance can be used to repay the credit card debt, and the credit card center will dispose of the inheritance through++to recover the credit card debt. According to the agreement of financial institutions on overdue loans, as long as the assets under the debtor's name can be used to pay off related debts, no matter what happens to the debtor, the assets under the debtor's name can be used to pay off debts.

First, ask relatives to repay. If the cardholder's bank card deposit in the bank is not enough to repay the debt, or if he does not apply for a bank card in the bank, what will the bank do? Then, the bank has the right to ask the cardholder's relatives to repay the debt. Of course, there must be a premise that the child needs to be an adult, have an economic source, and live with the cardholder. At the same time, when the debt exceeds the family's expenses, the bank has no right to ask the family to repay it.

Second, ask the heir to repay. After the death of the cardholder, if the cardholder has a legacy, such as house, car, deposit, equity, etc., the bank can repay the debt within the scope of the heir's inheritance right. But if it goes beyond the scope of the heir's inheritance, then the bank has no right to ask the heir to repay it.

If the cardholder has no heirs, immediate family members and no property to auction or deduct, then for the bank, this debt is a real bad debt, which can only be written off after one year.

Of course, the premise is that after investigation, the bank determines that there is no property under the cardholder's name, and there is no intentional transfer or even hiding of property. Otherwise, the above points shall be followed.

Do I have to return my credit card when I die?

No, if the cardholder has no inheritance, the credit card is a "dormant account bad debt" and the bank will generally treat it as a bad debt; If the cardholder has an inheritance and family members don't cooperate with the repayment, the bank will generally not collect it, and it is very likely to be treated as a bad debt.

Banks will give credit lines according to individuals' economic strength and past credit records. This credit line needs no mortgage and no guarantee. The real estate and automobile products filled in when handling the credit card are only the bank's credit information, not the mortgage, and the contact person filled in is not the guarantor. It doesn't matter if the cardholder doesn't pay. If the cardholder fails to repay the loan on time, the bank will++deduct the fee; However, if the cardholder dies, most of the credit card arrears will be treated as bad debts by the bank, and the extremely large amount may be treated by the bank++.

If there is not much credit card debt, the bank will contact the family members, but the family members refuse to cooperate with the repayment, and the bank can't help it. After all, it is a credit card, pure credit guarantee. It is not cost-effective to carry out hundreds of thousands of++,and the lawsuit itself has costs.

If the amount is extremely huge, the bank will still++.If the cardholder's spouse is still alive, he will++ask the spouse to repay, and if there is no spouse, he will ask the heir to repay. When the inheritance is insufficient to pay the arrears, the heir does not need to pay the remaining arrears.

If the cardholder dies and has no inheritance, just tell the bank directly without repayment.

This is the end of the introduction about whether to return the credit card after death and whether to return the credit card after death. I wonder if you have found the information you need?