If a person dies and does not repay the credit card debt, the credit card debt held by the person should be repaid by his or her inheritance. If there is really no ability to repay or there is no heir, the bank will classify this part of the debt as bad debt.

After the person dies, the credit card does not need to be repaid with his estate. 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. After the death of the borrower, the property in his name is inherited by the heirs, and the heirs must repay the unpaid debts of the borrower within the scope of the inherited property. Therefore, even if you die before the debt has been paid, it will not affect the creditor's continued pursuit of the debt. Among them, debt refers to the obligation that the debtor bears to the creditor in accordance with the law in the legal relationship of debt, whether it is a certain behavior or not a certain behavior. For example, in a sales contract, the seller has the obligation to deliver the sold items to the buyer, which is a debt for a certain act.

If it is difficult to perform the debt under any of the following circumstances, the debtor may deposit the subject matter:

(1) The creditor refuses to accept it without justifiable reasons;

(2) The whereabouts of the creditor are unknown;

(3) The creditor dies and the heir or estate administrator is not determined, or the creditor loses his capacity for civil conduct and the guardian is not determined;

(4) Others stipulated by law situation.

If the subject matter is not suitable for deposit or the deposit fee is too high, the debtor may auction or sell the subject matter in accordance with the law and deposit the proceeds.

I hope the above content will be helpful to you. If you have any other questions, please consult a professional lawyer.

Legal basis: Article 1133 of the "People's Republic of China and Civil Code" A natural person may make a will to dispose of personal property in accordance with the provisions of this law, and may designate an executor. A natural person can make a will to designate one or more legal heirs to inherit personal property. A natural person may make a will to donate personal property to the state, collectives or organizations or individuals other than legal heirs. A natural person can establish a testamentary trust in accordance with the law.

Article 1,159 When dividing the inheritance, the taxes and debts that the deceased should pay according to law shall be paid off; however, necessary inheritance shall be reserved for heirs who lack the ability to work and have no source of livelihood.