If a person dies, the money owed by the credit card needs to be handled according to the situation: if the borrower's relatives or other third parties sign a joint repayment responsibility contract with the lending institution when applying for a loan, then the lending institution will require the guarantor to fulfill the guarantee obligation, assume joint repayment responsibility and repay the remaining debts in case of the borrower's long-term arrears. In the absence of any third party as a guarantee: ① If the borrower chooses the mortgage loan method, then the overdue time reaches about half a year, the lending institution will generally file a lawsuit for house auction with the court, and the auction proceeds will be used to pay off the debts in priority; (2) If the family of the deceased repays the loan on their behalf, then after all the loans are paid off, their family members can go through the formalities of deregistration of the house mortgage, and then keep the house. And if the borrower originally chose unsecured loans, neither collateral nor legal objectivity were provided:

Article 161 of the Civil Code of the People's Republic of China * * * The successor shall pay off the taxes and debts that the decedent should pay according to law within the limit of the actual value of the acquired estate. If the part exceeds the actual value of the estate, the heir will voluntarily repay it. If the heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law.