The solution to the money owed to a credit card after a person passes away is as follows:

1. The credit card debt should be repaid with the property during the lifetime. If the death is accidental, and corresponding compensation and compensation can be obtained, the compensation or compensation can be used as a way to repay the credit card debt;

2. If the credit card consumption is used for family living expenses, it belongs to the family *** The same debt should be repaid with the family's property. If it is insufficient to repay, the spouse has the obligation to repay;

3. For credit card debts, if there is division of property during lifetime, it must be repaid before the division. The debts of the deceased during his or her lifetime will then be inherited. If the credit card debt is not repaid before the division, the heirs have the obligation to repay it.

The solutions to credit card overdraft are as follows:

1. Repay the minimum repayment amount

Each bank will set a minimum repayment amount for credit card holders. Minimum repayment amount. As long as the cardholder can repay this minimum amount, the bank will neither charge late fees nor affect personal credit. Generally, this minimum payment is 10% of the bill amount. That is to say, if you spent 10,000 yuan last month and don’t have enough money this month due to unemployment or other reasons, you only need to pay back more than 1,000 yuan.

However, it should be noted that if you choose the minimum repayment amount, although you will not be charged a late fee, you will be charged an interest of 50,000 per day. This interest is also quite high, so it is best for borrowers Make the minimum payment on all of your bills as quickly as possible.

2. Take the initiative to negotiate with the bank

If the cardholder cannot even pay the minimum repayment amount of 10, then do not choose to run away, that is, change the address and mobile phone. The bank cannot be contacted, which is the worst way to deal with it. You must know that personal information and credit status will be recorded in the central bank's credit system from the day you apply for a credit card. No matter where you go in the future, unless you never deal with banks in this life and no longer pay utility bills under your real name, you will no longer All things such as buying a mobile phone card and making a landline call require your real name, otherwise the bank will find you, and your credit record will be blackened. It will be difficult to get approval for bank loans and credit cards in the future, and it may even affect your future employment.

To sum up, once the minimum repayment amount is not paid, the best way is for the cardholder to immediately contact the card-issuing bank to explain his situation and express that he does not owe the money maliciously, but only Due to temporary changes in the economic situation, it is impossible to repay immediately and apply for deferred repayment. Generally, as long as the cardholder takes the initiative to contact the bank, the bank will usually design a repayment method for the cardholder that is acceptable to both parties.

Legal basis:

Article 1163 of the "People's Republic of China and Civil Code"

There is both legal inheritance and will In the case of inheritance or legacy, the legal heir shall pay off the taxes and debts that the decedent shall pay according to law; any excess of the actual value of the legally inherited inheritance shall be paid off by the testamentary heir and legatee in proportion to the income from the inheritance.