From a legal point of view, after the death of a credit card holder as a natural person, his capacity for civil rights naturally terminates. At this time, if the cardholder has an inheritance, he will use his inheritance to repay it; If not, the debt will naturally die without repayment.

However, according to the actual situation, credit card debt belongs to debt without the cardholder's inheritance. According to the provisions of Article 24 of China's Marriage Law, during the marriage relationship, the creditor's rights and debts incurred by one spouse in his own name for the daily needs of the family shall be regarded as joint debts of the husband and wife. If one of the spouses dies, the surviving spouse shall be jointly and severally liable for the joint debts during the marriage. But if it is not used in the daily life of the family, the other party will not bear the obligation to repay.

If the cardholder has neither an inheritance nor a spouse, and his relatives are unable to repay without compensation, then the credit card debts he consumed before his death can only be treated as bad debts or the bank can take legal measures to protect his rights by itself, and should not be borne by the cardholder's parents, brothers and sisters and other relatives.