According to the law and the actual situation, the credit card debt cannot be transferred, and one's own debt must be repaid by oneself. Every adult with civil legal capacity should be responsible for his own actions, and others (parents, brothers and sisters and other immediate family members) have no legal obligations. Even if the credit card dies after use, it still needs to be repaid. After the death of ordinary people, their credit card debts will not be repaid by the heirs, unless they inherit their property, and they need to repay all the debts before they die, and then inherit the rest. The legal consequence of not returning the credit card is: 1, which will generate high overdue interest. You will be sued by the bank to the court, and you will have economic losses such as legal fees and attorney fees. 3. Individuals will have bad credit records, which will have an impact on future credit cards and loans. 4. The amount owed is more than 6,543,800 yuan, which constitutes the crime of credit card fraud and should be investigated for criminal responsibility. Legal basis: Article 79 of the Contract Law of People's Republic of China (PRC), the creditor may assign all or part of the rights of the contract to a third party, except in one of the following circumstances: (1) It may not be assigned according to the nature of the contract; (two) according to the agreement of the parties shall not be transferred; (3) It is not transferable according to legal restrictions.

What should I do if my credit card is overdue?

1. Take the initiative to negotiate with the bank and re-sign the repayment agreement.

2. Borrow money from relatives and friends to pay back the credit card, and then pay it back when you have money.

3. Choose installment repayment or minimum repayment amount. Installment or minimum repayment amount can reduce the repayment pressure, as long as repayment on time will not affect personal credit. However, the bank will charge a certain handling fee for the installment or minimum repayment amount, which is generally calculated at 0.05% per day.