No. It is stated on the credit card application form that the card is for personal use, and any use of the card is deemed to be personal. Without the bank's knowledge, the card will not be automatically cancelled, but the use of the card has historical records that can be checked. If any adverse consequences occur, check the death certificate time with the card swiping time, and all consequences will be borne by the user. If the user continues to use it knowingly, whether the crime of fraud is established will be determined based on the amount and whether the bank reports the crime. It doesn’t mean that if you repay the loan, it won’t be considered a fraud. As long as you use it fraudulently, there is a possibility of fraud. Even if it is not locked up, it may be entered into the user's file and affect his credit record.