If there is no loan, you can cancel it directly.

1. If the credit card user dies and the credit card debt is not due, you can go directly to the bank to cancel the account. According to bank regulations, after the death of the cardholder, small debts will be terminated and banks will generally no longer pursue claims. For large debts, the legal heir shall bear corresponding responsibilities within the scope of inheritance. The heir not only inherits the inheritance, but also inherits a large amount of outstanding debts. If the debt occurs after the death of the cardholder, we will not be held responsible. When the card-issuing bank receives repayment from the cardholder, it must repay the various outstanding balances on its credit card account in order.

2. After the death of the cardholder, if there is any debt on the credit card, the immediate family members shall be responsible for repaying it. If the cardholder had property during his lifetime, it shall be repaid by his property. If there is an inheritance, it shall be repaid by the cardholder. The heirs of the inheritance will return it. But there are a lot of details here:

1) If the cardholder dies due to an accident, such as a car accident, or a doctor's medical malpractice, etc. Then you may get a compensation payment. If the family members cooperate, the bank may recover the arrears. If they do not cooperate, the bank may sue the family in court. If the debt is greater than the legal fees, you may sue. If the debt is less than 500, it will basically be considered a bad debt.

2) If the cardholder had property during his lifetime, a sum of money may be kept at home, or may be stored in a bank other than the bank that issued the cardholder's credit card, then the bank has the principle of keeping depositors confidential. How does the collection agency define his property during his lifetime?

3) If the immediate family member does not have the capacity for civil conduct or the ability to repay the loan, the bank will look at whether there is any property or inheritance. If there is no property or inheritance, the bank will consider it a bad debt.

4) Identification of heritage. Apart from bank deposits, things are houses. First of all, private houses cannot be bought or sold. So, if the area of ??commercial housing is less than 65 square meters, if the bank sues to the court, the court will not enforce the judgment.

Based on the above reasons, if the cardholder dies, the bank can only collect the credit card debt as much as possible. If the debt cannot be collected, it will be considered a bad debt.