If you have relatives, the relatives need to fulfill their repayment obligations. If the cardholder signed an accident exemption agreement when borrowing, he does not need to repay the loan after his death. However, if he does not sign, the family members need to continue to fulfill their repayment obligations.

1. What should I do if a person dies and owes a credit card? If relatives have the right to inherit, they will be responsible for repaying the debt. If the debtor who owes a credit card dies, if the debtor has an inheritance, he will use his estate to pay off the debt. If the debt has a guarantor, he can claim credit against the guarantor. The heir shall pay off the taxes and debts that the deceased should pay according to law to the extent of the actual value of the inheritance received. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs. If the heir gives up the inheritance, he will not be liable for the taxes and debts that the deceased should pay according to law.

2. How to handle the debt when the credit card holder dies? 1. When the debtor dies, the bank can sue the debtor’s legal heirs and guarantor (if there is a guarantor); 2. The legal heir of the debtor shall be responsible for repayment within the scope of the inheritance share, and the guarantor shall be responsible for repayment within the scope of the guarantee; 3. If the amount of the debt exceeds the value of the inheritance, the heir is not obliged to repay, but if he is willing to repay , the court will also support it; 4. The heir shall pay off the taxes and debts that the deceased should pay according to law, and the taxes and debts paid shall be limited to the actual value of his estate. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs.

3. Under what circumstances can one apply for exemption of repayment amount? When a major change occurs in the life of a credit card holder, he or she can negotiate with the bank to reduce the credit card debt. If the bank does not agree, you can sue the bank to obtain the court's consent. For exemption of credit card debt, you can apply to the judicial authorities in the following situations: (1) Credit card holders can obtain it if a major change occurs in their life, a major illness causes disability or death. For example, if a major traffic accident occurs, resulting in lifelong disability and inability to take care of themselves, The court forgives the debt. (2) If a credit card holder declares bankruptcy, he or she can apply to the judicial authority for exemption of credit card debt. For example, if an entrepreneur fails to start a business and is heavily in debt, he or she can apply for bankruptcy to exempt credit card debt. (3) If the credit card holder loses the ability to work, the person with full capacity for civil conduct will be responsible for the exemption. Become a person without full capacity for civil conduct. For example, if a cardholder suddenly suffers from a neurological disease and changes from a normal person to a mental patient, he does not need to repay the credit card debt, and the court will also grant an exemption. If the cardholder does not repay all the debt before his death, after the cardholder dies, his relatives or family members with inheritance rights need to continue to fulfill the obligation to repay the debt on behalf of the cardholder, otherwise it will also be regarded as It is an overdue act. If you refuse to repay or have no intention to repay, you may be sued in court.