the bank card can still be used after death. After death, if relatives know the password, they can continue to use it. If they don't know the password, their legal heirs can continue to use it after resetting the password in the bank, carrying their valid certificates, the legal heir certificate issued by the notary office and the death certificate. Or spouse, children, parents, etc. carry relevant information for replacement. Generally, after the death of the cardholder, relatives can withdraw the money from it, and then they can cancel this bank card, because the cardholder's ID card is often used in the process of use, which is more troublesome to use.

If a person dies, is it unnecessary to pay back the credit card?

If the cardholder dies, the credit card debt also needs to be repaid, and the bank will decide the repayment details according to the cardholder's specific situation. After the death of the cardholder, the immediate family members of the cardholder shall be responsible for the repayment of the credit card arrears, or if the cardholder had property before his life, it shall be repaid by his property, and if the property is an inheritance, it shall be repaid by the heirs.

methods for repayment of credit card arrears after death

1. If the heir is unable to repay, the bank will check whether the deceased has any property or inheritance. If it is possible, it will be owed. If it is not, it will generally be considered as bad treatment.

2. If the cardholder dies unexpectedly, he may get some compensation. At this time, if the family members can cooperate, the bank may be able to recover some debts. However, if he is unwilling to cooperate and the debts are really large, the bank can only sue the court to solve them through law.

At present, there is no clear regulation and statement about how the credit card is owed after death. Therefore, if the cardholder dies, the bank will try its best to collect the debt, but if it can't be recovered, it can only be regarded as a bad debt.

legal basis: article 9 of the general principles of the civil law stipulates that a citizen has the capacity for civil rights from birth to death, enjoys civil rights and undertakes civil obligations according to law. That is to say, the acquisition of natural person's capacity for civil rights begins at birth. The termination of civil capacity means that the natural person's civil capacity disappears when he dies. As a natural person, the credit card holder has died, and his civil capacity naturally terminates.

The debts of the decedent refer to the taxes, fines and legal property debts that should be paid by the decedent before his death. However, the overdraft of credit card occurred after the death of the cardholder as the decedent, which does not belong to the category of the decedent's debt.