It is necessary to pay back the credit card debt after death.

after the death of the credit card debtor, the creditor's rights will not disappear with it, but will become an estate liability, which will be repaid when the estate is liquidated. Therefore, the credit card debtor needs to be repaid after the death. Banks participate in inheritance distribution according to legal procedures, but will not directly deduct money from the inheritance account.

if the cardholder leaves an inheritance after his death and there is an heir, the credit card arrears shall be repaid by the heir; If the heir abandons the inheritance, he may not be liable for the taxes and debts that the decedent should pay according to law; If only the estate has no heir, the bank can obtain funds from the cardholder's estate by auction, so as to offset the debts owed by the debtor; If the cardholder dies and there is no agreement on the debt in the marriage, the spouse needs to return the debt.

credit card repayment method

1. Automatic repayment: Users can automatically bind their personal bank cards and credit cards. After the automatic repayment service is started, the banking system will automatically deduct the corresponding repayment amount from the bound bank cards on the repayment date.

2. ATM repayment: self-service repayment can be handled directly through the ATM of the bank, and the cash ready for repayment is directly deposited into the credit card account through the ATM, which will be automatically deducted by the bank on the repayment date.

3. mobile banking/online banking repayment: it is also through mobile banking or online banking that the funds are transferred into the credit card account to complete the credit card repayment operation.

4. Third-party platform repayment: Alipay and WeChat can repay credit cards, but they will be charged a certain handling fee.