Legal analysis: Credit card arrears are paid off by the applicant. Credit card is a criminal case. If the amount owed is large, it will be reported by the bank. If the debtor dies and owes money, the bank can sue the court to recover his inheritance. If there is no legacy, it is regarded as a dormant account.

Legal basis: Article 133 of the Civil Code. A natural person may make a will and dispose of personal property in accordance with the provisions of this law, and may appoint an executor.

A natural person may make a will to designate personal property to be inherited by one or more legal heirs.

A natural person may make a will to donate personal property to an organization or individual other than the state, the collective or the legal heir.

A natural person may establish a testamentary trust according to law.