The first type is if an older person dies suddenly, and when he dies, there is still a debt on his credit card. Then if he leaves an inheritance after his death, and his children or spouse want to inherit the inheritance, they must inherit his debts. That is to say, the estate must give priority to repaying the debt. After the debt is repaid, the remaining part will be left to the heirs for distribution; if the cardholder dies and there is no estate left, and there is a debt on the credit card, then the credit card The debt in the card will become a bad debt;

In the second case, if the cardholder dies suddenly and there is a debt in the credit card, the insurance company will first pay compensation. This is also relatively common.

When it comes to the use of credit cards, some people think that if an accident happens to them, they are not responsible anyway, so it is better to overdraft all the money in the credit card, which can be regarded as making money.

Under normal circumstances, banks will take some precautions when issuing credit cards. For example, there are restrictions on the age of cardholders. According to our country's laws, the age for applying for a credit card must not exceed 65 years old. In other words, the maximum age of the person applying for a credit card is 65 years old. This provision is mainly intended to prevent the elderly who are at the highest risk.

Legal basis: Article 33 of the "Succession Law" stipulates: The inheritance of an estate shall pay off the taxes and debts that the deceased should pay according to law. The taxes and debts paid shall be limited to the actual value of his estate. . 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.

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