After the credit card debtor dies, the debt will become an estate liability and will be repaid first when the estate is liquidated. If the debt exceeds the value of the estate, the bank can give up collecting the debt, but it cannot pursue the debt from anyone other than the estate.

After the credit card debtor dies, the debt owed becomes an estate liability. When the estate is liquidated, the debts owed will be repaid first according to the legal order of inheritance, that is, the debts of the estate will be paid first and then distributed to the legal heirs. If the debt exceeds the value of the estate, the bank can give up collecting the debt, but cannot pursue it from anyone other than the estate. It should be noted that the deceased's family does not inherit the debt by default unless they confirm in writing and accept responsibility for the debt. If the family members do not confirm their responsibility for the debt, the debt will still be an estate liability. At the same time, if there are co-guarantors or jointly responsible persons, these people will continue to bear the corresponding debt responsibilities, and the bank can recover the arrears from them. In order to avoid "inheritance deficit", it is recommended that credit card holders plan their assets and pay off their liabilities through legal channels before their death, so as to avoid financial pressure on their families due to debt owed during their lifetime.

After the death of a credit card debtor, can the bank directly debit the estate account? Estate liquidation is a legal process, and banks need to participate in the distribution of the estate in accordance with legal procedures and cannot directly deduct funds from the estate account. Once the court determines the heirs of the estate, the bank will recover the arrears from the heirs based on the estate list.

After the death of the credit card debtor, the debt will not disappear, but will become an estate liability and be repaid when the estate is liquidated. The bank needs to participate in the distribution of the estate in accordance with legal procedures and cannot directly deduct funds from the estate account. It is recommended that credit card holders plan their assets and pay off their liabilities during their lifetime to avoid financial pressure on their families due to debt owed during their lifetime.

Legal basis:

Article 39 of the "Succession Law of the People's Republic of China" stipulates: When inheriting the inheritance, the heir shall bear the inheritance liabilities. The inheritance share of the heir shall be determined after deducting the inheritance liabilities.