Legal analysis: After the cardholder dies, he can directly go to the police station to issue a death certificate and cancel his credit card at the bank. After all, it is the annual fee arrears, not the consumption arrears. Banks should handle such incidents as appropriate after verification. If it is found through inquiry that the card has no use record in recent two years, the annual fee shall be cancelled.

Legal basis: Article 163 of the Civil Law of People's Republic of China (PRC) has both legal inheritance and testamentary inheritance and bequest, and the legal heir shall pay off the taxes and debts that the decedent should pay off according to law; The part exceeding the actual value of the statutory estate shall be paid off by the testator and legatee in proportion to the income.