After the death of the cardholder, if there is any debt on the credit card, the family members (immediate relatives) should be responsible for repaying it, or if the cardholder had property during his lifetime, his property will repay it. If there is an inheritance, There is an heir to the inheritance who will pay it back.

But there are many details here:

First: If the immediate family member does not have the capacity for civil conduct or the ability to repay, the bank will look at whether there is any property or inheritance. If there is no property or inheritance, the bank will consider it a bad debt.

Second: If the cardholder had property during his lifetime, a sum of money may be kept at home, and there may be a credit card of the cardholder

If the issuing bank is not the bank, then the bank will There is a principle of confidentiality for depositors. How does the collection agency define his property during his lifetime?

Third: If the cardholder dies due to an accident, such as a car accident or a doctor's medical malpractice. Then you may get a compensation payment. If the family members cooperate, the bank may recover the arrears. If they do not cooperate, the bank may sue the family in court. If the debt is greater than the legal fees, you may sue. If the debt is less than 500, it will basically be considered a debt.

Fourth: Identification of inheritance. Things other than bank deposits are houses. First of all, private houses cannot be bought or sold. So, if the area of ??commercial housing is less than 65 square meters, if the bank sues to the court, the court will not enforce the judgment.

Based on the above reasons, if the cardholder dies, the bank can only collect the credit card debt as much as possible. If the debt cannot be collected, it will be considered a bad debt.