1. What happens when a person dies after a credit card is overdue depends on the specific circumstances:

(1) After the cardholder dies, his account will be terminated and the bank will not pursue the debt;

(2) If the amount is large and there is an executable legacy, the bank will obtain funds through auction to repay the debts owed by the cardholder.

2. Legal basis: Article 412 of the Civil Code of the People's Republic of China

If the debtor fails to perform the due debts or the mortgage is realized as agreed by the parties, resulting in the mortgaged property being seized by the people's court according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the mortgaged property from the date of seizure, except that the mortgagee has not notified the obligor who should pay off the legal fruits.

the fruits specified in the preceding paragraph shall be used to offset the fees for collecting fruits.

2. How to handle the stop installment after the credit card is overdue

The way to handle the stop installment after the credit card is overdue is as follows:

1. Go directly to the card-issuing bank and apply to the relevant staff. In the process of negotiation, we should pay attention to the ways and means to show that we are willing to take the initiative to repay, otherwise the bank will usually not agree to the debtor's request;

2. negotiate online through the customer service phone on the credit card and put forward your own demands;

3. If the credit card is overdue, you can also apply for stop installment through online negotiation.