Legal analysis: If the credit card debtor dies, his estate needs to be used to repay the debt. If there is no inheritance, the debt will be extinguished. If the heir has inherited an inheritance, he will be responsible for repaying the credit card debt within the scope of the inheritance.

Legal basis: Article 1121 of the "People's Republic of China and Civil Code" Inheritance begins at the death of the deceased. If several persons with mutual inheritance relationships die in the same incident and it is difficult to determine the time of death, the person without other heirs is presumed to have died first. There are other heirs, and if they are of different generations, the elder is presumed to die first; if they are of the same generation, they are presumed to die at the same time, and no inheritance occurs between them.