1. How to cancel a credit card after the death of the cardholder

Relatives of the cardholder can handle the cancellation procedures.

1. Relatives of the cardholder can call the card-issuing bank, transfer to manual service, and apply to customer service personnel to cancel the account. First report the cardholder's identity information to the customer service staff, and then submit an account cancellation application. After verifying that the cardholder's identity information is correct, customer service staff will help cancel the account.

2. Relatives of the cardholder can bring the cardholder’s death certificate and credit card to the counter of the issuing bank’s business outlet to apply for account cancellation. After receiving the application form, fill it out, and then hand the completed form, death certificate, and card to the staff, who will help with the account cancellation procedures.

2. How to deal with the credit card debt after the cardholder is in jail

You can entrust a family member to repay the debt on your behalf. If you fail to repay your credit card balance after the due date, late payment fees will be incurred and should be repaid as soon as possible.

Cardholders who are in jail should continue to repay their credit card debt without being affected. If you have too much credit card debt, you can first pay off the minimum payment, borrow money to repay it, find a financial institution to repay it on your behalf, or sell your property to repay it. Credit cards can usually be repaid with the minimum repayment amount. If you repay the minimum repayment amount, you can save money and pay off the remaining balance slowly. Debtors can first find a financial institution to help repay their credit card. There are many loan platforms that provide credit card loan services, but they need to pay a certain fee, and then they need to pay off the debt owed to the loan platform.

If your credit card is overdue for more than three months, and if your credit card has been overdue for more than three months more than six times in total, you will be blacklisted. As long as the overdue period does not exceed three months, it is acceptable. This situation is a general overdue situation. If you pay off the debt immediately after the overdue period, it will not have much impact and will not be blacklisted. If it is overdue for more than three months, it is considered seriously overdue, especially if it is overdue for three or six months in a row, and you will inevitably be blacklisted by the bank. Once overdue bad records are shown, any business involving credit reporting issues will not be handled. Malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank.

After the death of the cardholder, his or her relatives can cancel the credit card and go to the bank's business branch to go through the procedures. There are two ways to apply for a credit card. One is to apply at a bank branch, and the other is to apply directly online. The credit card has an overdraft function. You can consume first and then repay. If the credit card is overdue, the bank will pursue the holder. The legal liability of the cardholder.