The credit card is overdrawn.
If the cardholder dies, as long as the death certificate is issued, the bank will not recover the money and there is no way to recover the debt. These are all bad debts in the bank, and there is no way to get them back. In terms of insurance, the bank may ask the beneficiary to pay off the debt. If you go abroad or Taiwan Province Province, as long as you don't come back, there is nothing the bank can do.