If the credit card expires after death and the cardholder has an inheritance, he can recover from the heir; If there is no inheritance, the debt will die naturally, and the bank has no obligation to recover the debt from the heir; However, if the debts are jointly owned by husband and wife, the spouse may be required to pay off the debts on his behalf. Credit card debt is also part of personal heritage. Generally, the debts are paid off first, and then the remaining inheritance is distributed. Credit card debt is the cardholder's debt, and the remaining debt must be returned before it can be distributed as an inheritance. If the cardholder's credit card consumption occurs during the marriage relationship, the creditor's rights and debts incurred by one spouse in his own name during the marriage relationship are regarded as joint debts of husband and wife. Therefore, if the cardholder has no other personal property, the other spouse should continue to repay.

Consequences of overdue credit card:

1. The bank has been urging money. When the borrower is overdue, the bank credit card customer service center will first call several times; If the money is still unpaid, the bank will entrust a third party to collect it, usually through continuous telephone calls, text messages or even door-to-door collection; After repeated dunning, the bank will sue to the court.

2. Being sued by the bank, it is impossible to get a loan. Cardholders will be added to the credit blacklist and cannot apply for loans. The court will collect the loan. After receiving the court summons, after investigation and persuasion, urge the cardholder to repay. However, if the cardholder refuses to repay, the court can take enforcement. Subsequently, the court will realize the cardholder's assets to repay the card debt and freeze the related property.

3. Malicious breach of contract, facing imprisonment and fines. A credit card overdue for three months can be regarded as a penalty for malicious overdraft, but if you communicate with the bank in advance to prove your repayment ability and repayment plan, you will generally not face criminal responsibility. However, the cardholder who refuses to return it after the court's decision may face the consequences of three years' imprisonment and a fine if the circumstances are serious, especially if the circumstances are serious, he will face a longer imprisonment of three to seven years and pay a fine.

legal ground

People's Republic of China (PRC) Civil Code

Article 124 Natural persons shall have the right of inheritance according to law.

The lawful private property of a natural person can be inherited according to law.

Article 126 The right of inheritance is equal to that of men and women.

Article 127 The inheritance shall be inherited in the following order:

(1) First order: spouse, children, parents;

(2) The second order: brothers and sisters, grandparents and grandparents.

After the inheritance begins, the successor in the first order inherits, and the successor in the second order does not inherit; If there is no successor in the first order, it is inherited by the successor in the second order.

The children mentioned in this part include children born in wedlock, children born out of wedlock, adopted children and stepchildren with dependency.

The parents mentioned in this part include biological parents, adoptive parents and step-parents with dependent relationship.

Brothers and sisters referred to in this part include brothers and sisters of the same parents, half-brothers, adopted brothers and sisters, and stepbrothers and sisters with dependent relationship.