We know that credit cards can be overdrafted, but they need to be repaid within a specified period. If the payment is not repaid, the bank can sue. Personal credit cards need to be repaid by the individual, but if the debtor dies unexpectedly, the repayment will not be possible, and the person who inherits the estate will need to repay the debt. Regarding the question of who will pay the credit card debt after the person dies, let me answer it in detail for you below.

1. Who pays debts when the person who owes money on a credit card dies? After the death of the cardholder, if there is any debt on the credit card, the family (immediate family members) should be responsible for repaying it, or if the cardholder had property during his lifetime, he should pay it back. The property will be repaid, and if there is an inheritance, the heirs of the inheritance will be repaid.

2. What to do if the credit card is overdue for a long time. If the credit card is overdue for a long time, you can actively find a financial institution to negotiate with the other party, repay the loan in installments, and then reach mediation. If you owe a credit card and file a lawsuit with the bank, you may not necessarily go to jail. This depends on the specific circumstances. Failure to repay a credit card debt when due is a breach of contract in civil law, and the debtor shall bear corresponding liability for breach of contract in accordance with the terms of use of the credit card.

3. What consequences will you face if your credit card is overdue? 1. Overdue credit card fees. The so-called late payment fees for credit cards refer to the fees that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount. 2. Overdue interest. After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder repays overdue, all the expenses of the cardholder last month will no longer enjoy the bank's interest-free payment. treatment, and the recurring daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18. 3. Bad credit record. Overdue credit card repayment records will enter the central bank's credit reporting system to generate a bad credit record. 4. Litigation costs. If the credit card is not repaid for more than three months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit in court. The litigation costs will be borne by the cardholder. 5. Criminal liability for malicious overdraft. If the credit card holder dies, the debtor will definitely not be able to repay the debt, but the credit card owed to the bank also needs to be repaid, so his immediate family members or legal heirs will need to repay within the scope of the estate. The above is what I have compiled. If you encounter a dispute, you still need to analyze the specific issues in detail. If your problem cannot be solved, you can consult a lawyer.