Reminder: The debt owed by the main credit card should be regarded as the debt of the host card, and should be repaid by both husband and wife first. If the joint property of husband and wife is not enough to repay, and the cardholder has no other personal property, the other spouse will continue to repay. If the cardholder's parents and son, as legal heirs, explicitly give up inheritance, then the three of them are not responsible for the cardholder's debts. If you choose to inherit the estate, the corresponding debts will be borne by the heirs. If both husband and wife have died and both children and parents choose to give up their inheritance rights, the debt will be judged according to the specific regulations of different banks. Usually, if the cardholder has no personal property and the children and immediate family members choose to give up inheritance, this debt will be counted as bad debts of the bank, and the bank can only keep it for itself. However, if the amount is large, banks will further safeguard their rights and interests through legal means.