However, after the borrower dies, who will repay the credit card arrears and loans? Mainly divided into the following situations:

1. Although the borrower himself has died, but there is an heir, after the heir inherits the estate, all debts shall be borne by the heir. The inheritance inherited by the heir includes not only real estate such as deposits and houses, but also debts and arrears left by the predecessor.

2. If the borrower has no heir, or his designated heir abandons inheritance, the bank can only liquidate the assets of the deceased in the bank at this time. If it is not enough to repay the arrears, it can only deal with bad debts.

3. On the premise of Article 2 above, if the borrower has not left any legacy and the overdraft of the credit card has been squandered in various ways, the credit card and loan under his name need not be repaid. This kind of risk is something that banks should anticipate when handling loans for borrowers, and it is also something that banks must bear.

4. If the borrower has a guarantor when borrowing money, the guarantor has the responsibility to repay after the borrower dies.

With the above problems, we can see that credit cards and loans are facing the risk of not being repaid normally for various reasons. So, what are the risks of credit cards and loans?

The possible risks of general credit loans are as follows:

1. Repayment willingness

Usually, the bank will judge whether the applicant has a good repayment intention according to his credit record and communication. If there are many overdue behaviors in the credit record, such customers will bring risks to the lending institutions no matter how good the applicant's economic ability and repayment ability are.

2. Solvency

The bank will examine the borrower's bank flow and assets to determine whether the borrower's income is stable. For users with unstable income and no realizable fixed assets, it is definitely not possible to have a strong willingness to repay the loan in time and are unable to repay the loan.

3. Intangible liabilities

Invisible liabilities refer to liabilities that are not reflected in the credit report, such as loans between borrowers and friends, usury, etc. , or the borrower provides loan guarantee for others. Even if such users can meet the requirements of bank loans when applying for loans, there is no guarantee that accidents will happen after the loans are successful.

4. Excessive debt

When the borrower has excessive debts beyond his ability to bear, if he applies for a loan again, it will only make the borrower's economic pressure more and more serious, and the repayment ability will of course be greatly reduced, which will also bring a lot of risks to the lending institution.