If there is no arrears, the cardholder's relatives can go to the bank to apply for account cancellation. If there is debt, the credit card debt should be repaid by the family (immediate family members), such as parents, spouses, children, etc. If the immediate family members have no capacity for civil conduct or repayment, the bank will see if the cardholder has any property or inheritance. If the cardholder has property before his life, he should use his property (real estate, savings, auto supplies, etc.). ) to pay off the debt. If there is no property or inheritance, the bank will count the arrears as bad debts.