1. Will credit card debts affect family members after death?

1. Credit card debts will not affect family members. A credit card is a personal limit given based on an individual's credit status. After the cardholder dies, the bank will deduct the relevant debt from the deceased's repayment account. If the account balance is insufficient, the bank can take legal procedures and the court can enforce the personal property in the name of the deceased and the part of the private property belonging to the deceased to repay the debt. If a family member inherits the deceased's estate, they need to repay the deceased's debts, but they can bear the repayment responsibility within the scope of the inherited estate. If a family member relinquishes their inheritance rights, they do not need to pay the debts of the deceased.

2. Legal basis: Article 1161 of the "People's Republic of China and Civil Code"

The heir shall repay the decedent according to law within the actual value of the inheritance received. Taxes and debts due. 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.

Article 1,163

If there is both legal inheritance and testamentary inheritance or legacy, the legal heir shall pay off the taxes and debts that the decedent should pay according to law; The portion exceeding the actual value of the statutory inheritance shall be paid off by the heirs and legatees in proportion to the income from the estate.

2. How to cancel a credit card after death

1. Determine the legal heir as the agent, return the primary card and secondary card left by the cardholder to the card issuer, and submit a cancellation application. If the card cannot be returned, a written explanation should be provided;

2. The agent must bring the legal heir certificate issued by the notary department, the cardholder’s death certificate, the agent’s identity document and other information 30 days after the application. , just go to the card issuer to complete the account cancellation procedures.