1. Do family members need to repay credit cards after a person dies?

1. After a person dies, family members do not need to repay credit card debts, but their inheritance needs to be used to repay the corresponding debts. Our country's laws stipulate that when dividing an inheritance, the taxes and debts that the deceased should pay according to the law should be paid off; however, necessary inheritance should be reserved for heirs who lack the ability to work and have no source of living.

2. Legal basis: Article 1161 of the "People's Republic of China and Civil Code"

The heir shall repay the decedent according to law within the actual value of the inheritance received. Taxes and debts due. 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.

Article 1,163

If there is both legal inheritance and testamentary inheritance or legacy, the legal heir shall pay off the taxes and debts that the decedent should pay according to law; The portion exceeding the actual value of the statutory inheritance shall be paid off by the heirs and legatees in proportion to the income from the estate.

2. What are the conditions for applying for an overdue interest suspension on a credit card?

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.