Article 9 of the General Principles of the Civil Law stipulates that citizens have the capacity for civil rights, enjoy civil rights and assume civil obligations according to law from birth to death. In other words, the acquisition of natural person's capacity for civil rights begins at birth. The termination of civil capacity means that when a natural person dies, his civil capacity disappears. As a natural person, the credit card holder has died, and his capacity for civil conduct has naturally terminated.

The debts of the decedent refer to the taxes, fines and legal property debts that should be paid by the decedent personally before his death. However, the credit card overdraft occurred after the death of the cardholder as the decedent, which does not belong to the category of the decedent's debt.