If the cardholder has an inheritance, the bank may recover from his successor; If there is no inheritance, the debt will naturally die, and the bank cannot recover from the heir.

Supplement:

Article 26 of China's Inheritance Law stipulates that unless otherwise agreed, half of the common property shall be owned by the spouse and the rest shall be inherited by the decedent. When one spouse dies, the surviving spouse has the right to divide the common property and inherit the deceased's estate.

In addition, Article 3 of Chapter I of the Law of Inheritance stipulates that an inheritance is the personal legal property left by a citizen when he dies, including:

Citizens' income;

(2) Houses, savings and daily necessities of citizens;

(3) Citizens' trees, livestock and poultry;

(4) Cultural relics, books and materials of citizens;

(five) the means of production that the law allows citizens to own;

(six) the property rights in the copyright and patent rights of citizens;

(7) Other lawful properties of citizens.