1. What happens to the credit card debt after the cardholder dies?

When the credit card holder dies, if the cardholder has an inheritance, the bank It can be recovered from its heirs. If there is no inheritance, the debt will die naturally and the bank cannot recover from its heirs.

1. The cardholder has inheritance

Credit card debt is also part of the personal estate. Generally, the debt is paid off first, and then the remaining estate is distributed. The credit card debt is a debt of the cardholder, so the remaining balance must be paid back before it can be distributed as an inheritance.

2. The cardholder has no inheritance

If the cardholder’s card consumption occurs during the marriage, the creditor will pay for the debts borne by one spouse in the individual name during the marriage. The debts should be treated as joint debts of husband and wife. Therefore, if the cardholder has no other personal property, the other spouse should still continue to repay.

2. Will you go to jail if you are sued for not paying back your credit card debt?

After the cardholder is sued by the bank, if the cardholder is suspected of maliciously overdrafting the credit card, it will be deemed as a credit card after the court’s judgment. Fraud, of course, leads to jail time.

Those involving relatively large amounts (amount of more than 50,000 yuan) will be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. If the amount of fraud is huge (amount of more than 500,000 yuan) or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. If the amount is particularly huge (amount of more than 5 million yuan) or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation.

If the customer did not overdraw the credit card maliciously, he will not go to jail. The court will only require the customer to pay off the debt as soon as possible. If the customer pays off the debt in time after the court ruling, then there will be no problem. , then just take good care of your credit. Of course, if you fail to repay the money after the court's judgment, you may be listed as a dishonest person by the court, and the court may enforce the order, freeze the bank card in the customer's name, and deduct the funds for repayment.

If the cardholder dies due to illness, his family will have to repay the credit card debt on his behalf. If the credit card debt is not repaid, you need to contact the bank as soon as possible, explain your actual situation, and negotiate repayment with the bank. At this time You must correct your attitude, actively express your willingness to repay, and then apply to the bank for suspension of interest payments. If the bank does not agree with the cardholder's application, you can use the minimum repayment capacity.