According to relevant laws and regulations, the money owed by personal credit debts shall be paid off by the legal heir or guardian on behalf of the borrower after an accident or loss of personal capacity. Among them, accidents refer to all stages from incapacity to death, and incapacity refers to mental disorders. It is for this reason that when you fill out the credit card application form, there is a clause that requires you to write down your immediate family and friends. If you can prove that you didn't sign the signature column of the application form, the bank will say nothing. The general court will ask the bank to prove that you have filled out the application form. If the bank cannot prove it, congratulations.

Furthermore, if you can produce a psychiatric diagnosis certificate issued by a regular third-class first-class hospital, and the diagnosis date is before the application form, then you may also win the case. However, when a person is mentally ill, what qualifications are used to apply for a credit card and who will do it for him, that is a big problem. Personal opinion, for reference only. It is recommended to buy a small insurance when using a credit card, which costs a few dollars a month. If the cardholder has an accident and is unable to repay, the insurance company will pay back the money.