The credit card holder has passed away and needs to cancel the card, and the credit card arrears need to be repaid.

What should I do if the borrower dies and owes money (credit card is not repaid):

If the borrower's relatives or other third parties sign a joint repayment responsibility contract with the lending institution when applying for a loan, the lending institution will require the guarantor to fulfill the guarantee obligation, assume joint repayment responsibility and repay the remaining debts in case of long-term arrears of the borrower.

Without any third party's guarantee:

① If the borrower chooses the mortgage loan method, the overdue time will reach about half a year, and the lending institution will generally file a lawsuit for house auction with the court, and the auction proceeds will be used to pay off the debts in priority;

(2) If the family of the deceased repays the loan on their behalf, then after the loan is paid off in full, their family members can go through the formalities of deregistration of the house mortgage, and then keep the house.

If the borrower chooses unsecured loans at the beginning, and neither collateral nor a third-party joint liability person is provided, it will be more difficult for the lending institution to recover the arrears, and it will generally be treated as bad debts.