Legal analysis: According to the principle of death of a person and the death of debts, when the holder of a credit card dies, the debts he bears will disappear accordingly. However, in order to protect the legitimate rights and interests of the creditor, the creditor can use the debtor's property to pay off the debt. Relatives of the cardholder (debtor) are not responsible for the debt, and creditors are not allowed to collect debts from their relatives. However, relatives can repay if they are willing to do so. The cardholder's portion of the property owned by relatives and the cardholder should be used for repayment.

Legal basis: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Article 70: Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's ability to repay and the cardholder is still willing to repay. Yes, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement shall not exceed 5 years. The content of the personalized installment repayment agreement should at least include: (1) The balance, structure, and currency of the debt; 2) The repayment cycle, method, currency, date, and amount of each installment; 3) Whether the repayment period is calculated into the year fees, interest and other charges 4) Commitment that the cardholder shall not apply for a credit card from any bank before all amounts related to the personalized installment repayment agreement have been settled in full 5) Rights, obligations and liability for breach of contract of both parties 6) Repayment related other matters. If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service agency shall stop collections from the cardholder, unless the cardholder fails to fulfill the installment repayment agreement. If an oral repayment agreement is reached, the card-issuing bank must retain the recording materials. The recording data will be retained at least until the date of settlement of the debt.