After the death of the cardholder, if the credit card is in arrears, the family members (immediate family members) should be responsible for repayment, or if the cardholder had property before his life, it should be repaid by his property, and if there is a legacy, it should be repaid by the heir of the legacy.

Article 159 of the Civil Code stipulates that "the inheritance of an estate shall pay off the taxes and debts that the decedent should pay according to law, and the payment of taxes and debts shall be limited to the actual value of the estate.

First, if the immediate family members have no capacity for civil conduct or repayment, the bank will check whether they have property or inheritance. If there is no property or inheritance, the bank will think it is a bad debt.

Second: if the cardholder has property before his life, he may leave some money at home and may have the cardholder's credit card.

The issuing bank is an unexpected bank, so all banks have the principle of confidentiality for depositors. How does the collection bank define his property before his death?

Third: if the cardholder died because of an accident, such as a car accident or a doctor's medical accident. Then you may get compensation. If the family members cooperate, the bank may recover the arrears. If you don't cooperate, the bank will sue the court at most. If the debt is greater than the legal fees, it can be sued. If the debt is less than 500, it is basically a debt.

Fourth: the identification of heritage. What the bank deposits out is the house. First of all, you can't buy or sell houses. Then, if the area of commercial housing is less than 65 square meters, if the bank brings a lawsuit to the court, the court will not make a judgment.

For the above reasons, if the cardholder dies, the bank that owes the credit card can only try to collect it. If it can't be collected, it is considered a bad debt.

How to determine the person responsible for bill repayment after the cardholder dies? As mentioned above, the debts arising from the use of credit cards are joint debts of husband and wife and should be repaid with the joint property of husband and wife. If the joint property is insufficient to repay, the other spouse will continue to repay it if the cardholder has no other personal property. The legacy of a citizen after his death shall be divided after the debts of the deceased are paid off. If the deceased is found to have outstanding debts after the division, the heir shall repay the relevant debts within the limit of inheritance property.