Legal analysis: So the cardholder died. If the cardholder has an inheritance and has a legal heir, the inheritance will have an heir. Legally speaking, card debt also belongs to personal inheritance, and the remaining inheritance is paid off before distribution. The cardholder's heirs can also choose not to inherit. If the heir is unable to repay, the bank will see if the deceased has property or inheritance, and if possible, it will offset the debt. If not, it is generally considered as bad debts or directly handled by dormant accounts. In other words, if the cardholder leaves nothing after his death, the debt under his name will be written off, which means that someone will pay off the debt.

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

Article 144 Where there are obligations attached to the inheritance or bequest of a will, the successor or legatee shall perform the obligations. If the person subjected to execution fails to perform his obligations without justifiable reasons, the people's court may, at the request of interested parties or relevant organizations, revoke his right to inherit part of the estate.

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 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.