If the credit card holder dies, if the relationship between husband and wife continues, the spouse needs to repay the credit card debt, and the legal heir who inherits the estate also needs to repay the credit card debt. If the legal heir does not inherit the cardholder's estate, he does not need to repay the credit card debt. Article 1161 of the Civil Code The heir shall repay 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.