First of all, as an individual with full civil liability, after death, the personal debt will be written off. Legally, the family has no obligation to continue to repay the debt. Secondly, the value of an individual's life is far greater than the credit card debt. Many people have thoughts of committing suicide just because they cannot pay off their debts temporarily. The grief that a person's death brings to a family is immeasurable. Therefore, it is right to have a good discussion with the bank, plan a repayment plan, repay slowly, and start over. Hope my answer can help you!