Normally, after the credit card user dies, if the user has an inheritance, the bank can recover it from his heirs; if there is no inheritance, the debt will die naturally, and the bank cannot claim it from the user's heirs. Heirs to recover.

Normally, the inheritance needs to pay off the debt first, and then distribute the remaining part. Therefore, if there is an inheritance after the user's death, the credit card debt must be paid off first. If the user has neither inheritance nor a spouse, then the credit card debt as a personal debt can only be treated as bad debt and should not be borne by relatives such as parents, siblings, etc.