The credit card debt does not need to be repaid by the family members if the person dies.

Overdue credit card payments will face consequences:

1. Overdue credit card late payment fees. The so-called late payment fee for a credit card refers to the fee 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.

Requirements for applying for overdue credit card interest suspension:

1. Really unable to repay the debt. The bank will investigate personal income, debt situation and other evidence to evaluate the repayment ability;

2. Do not avoid collection by losing contact, etc. to avoid the bank from questioning the lender's willingness to repay. Even if it is overdue, you should try your best to repay and express your willingness to repay;

3. You can issue reasonable certificates to the bank.

To sum up, 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, his property should repay it. If there is an inheritance, the heirs of the inheritance will pay it back.

Legal basis:

Article 1161 of the "People's Republic of China and Civil Code"

The actual value of the inheritance received by the heir shall be Pay off the taxes and debts that the deceased should pay according to the law within the limit. 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.