No, if the cardholder has no inheritance, the credit card is a "dormant account bad debt" and the bank will generally treat it as a bad debt; If the cardholder has an inheritance and family members do not cooperate with the repayment, the bank will generally not collect it, and it is likely to be treated as a bad debt.

Banks will give credit lines according to individuals' economic strength and past credit records. This credit line needs no mortgage and no guarantee. The real estate and automobile products filled in when handling the credit card are only the bank's credit information, not the mortgage, and the contact person filled in is not the guarantor. It doesn't matter if the cardholder doesn't pay. If the cardholder fails to repay the loan on time, he will be sued by the bank; However, if the cardholder dies, most of the credit card arrears will be treated as bad debts by the bank, and the extremely large amount may be prosecuted by the bank.

If there is not much credit card debt, the bank will contact the family members, but the family members refuse to cooperate with the repayment, and the bank can't help it. After all, it is a credit card, pure credit guarantee. Hundreds of thousands of lawsuits are not cost-effective, and litigation itself has costs.

If the amount is extremely large, the bank will still sue. If the cardholder's spouse is still alive, he will sue for repayment. If there is no spouse, the heir will be asked to repay. When the inheritance is not enough to pay the arrears, the heir does not need to pay the remaining arrears.

If the cardholder dies and has no inheritance, just tell the bank directly without repayment.