Legal analysis: If a person who owes an online credit card loan dies, his or her heirs must repay the credit card fees within the scope of their property inheritance.

Legal basis: Article 1161 of the "People's Republic of China and Civil Code" The heir shall repay the taxes and debts that the deceased should pay according to law to the extent of the actual value of the inheritance received. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs. If the heir gives up the inheritance, he will not be liable for the taxes and debts that the deceased should pay according to law.