Legal analysis: after death, credit card debt needs to be paid off with his inheritance. If there is no inheritance, the arrears will be eliminated. If the heir inherits the inheritance, he shall bear the responsibility of repaying the credit card debt within the scope of the inheritance. According to the law, inheritance should pay off the taxes and debts that the decedent should pay according to law, and the payment of taxes and debts is limited to the actual value of his estate. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not bear the taxes and debts that the decedent should pay according to law.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 159 When the estate is divided, the taxes and debts payable by the decedent according to law shall be paid off; 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 heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law. Article 162 The execution of a legacy shall not prevent the legator from paying off taxes and debts according to law.

Article 163 If there are both statutory inheritance and testamentary inheritance and bequest, the legal heir shall pay off the taxes and debts that the decedent should pay according to law; The part exceeding the actual value of the statutory estate shall be paid off by the testator and legatee in proportion to the income.