After a person dies, credit card debts need to be paid off with his inheritance. If there is no inheritance right, the debt will be destroyed. If the heir inherits the estate, he shall bear the responsibility of repaying the credit card debt within the scope of inheritance. The successor shall pay off the taxes and debts payable by the decedent according to law, and the taxes and debts paid shall be limited to the actual value of the estate. If it exceeds the actual value of the estate, the heir shall not voluntarily repay it. If the heir renounces inheritance, he may not bear the taxes and debts that the decedent should pay according to law.

Article 159 of the Civil Code of People's Republic of China (PRC) shall pay off the taxes and debts payable by the decedent according to law when the estate is divided; But the necessary inheritance should be left to the heirs who lack the ability to work and have no source of income. Article 160 A legacy without inheritance or bequest belongs to the state and is used for public welfare undertakings. If the deceased was a member of a collective ownership organization before his death, it belongs to the collective ownership organization to which he belongs. Article 161 The successor shall pay off the taxes and debts that the decedent should pay according to law within the limit of the actual value of the inheritance. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir.

If the user of the credit card dies and the debt of the credit card has not expired, you can cancel the account directly at the bank. According to the regulations of the bank, after the death of the cardholder, the small debts will be terminated and the bank will generally not recover them. For large debts, the legal heirs shall bear corresponding responsibilities within the scope of inheritance. The heir not only inherited the inheritance, but also inherited a lot of debts. If the overdue time occurs after the cardholder's death, it will not be responsible. When the issuing bank receives the repayment from the cardholder, it must repay all the arrears in its credit card account in sequence.

Paragraph 2 of Article 57 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks: When receiving the repayment from the cardholder, the issuing bank shall repay the debts of its credit card account in the following order; If the payment is overdue for 1-90 days, the repayment shall be made in the order of interest receivable first or expenses and principal later; If the overdue period exceeds 9 1 day, the principal shall be repaid first, and then the interest or various expenses shall be repaid.