Family members (immediate family members) should be responsible for repayment. After the death of the cardholder, the immediate family members of the cardholder, such as parents, spouses, children, etc. , will bear the repayment obligation. Mainly depends on whether the cardholder has property inheritance, such as real estate, deposits, automobile production, etc. If the inheritance is sufficient to repay, it shall be deducted from the inheritance. If the immediate family members have no capacity for civil conduct or repayment, the bank will see if the cardholder has any property or inheritance. If there is no property or inheritance, the bank will think it is a bad debt.

Banks will give credit lines according to individuals' economic strength and past credit records. This credit line needs no mortgage and no guarantee. The real estate and automobile products filled in when handling the credit card are only the bank's credit information, not the mortgage, and the contact person filled in is not the guarantor. It doesn't matter if the cardholder doesn't pay. If the cardholder fails to repay the loan on time, he will be sued by the bank; However, if the cardholder dies, most of the credit card arrears will be treated as bad debts by the bank, and the extremely large amount may be prosecuted by the bank.

If there is not much credit card debt, the bank will contact the family members, but the family members refuse to cooperate with the repayment, and the bank can't help it. After all, it is a credit card, pure credit guarantee. Hundreds of thousands of lawsuits are not cost-effective, and litigation itself has costs.

If the amount is extremely large, the bank will still sue. If the cardholder's spouse is still alive, he will sue for repayment. If there is no spouse, the heir will be asked to repay. When the inheritance is not enough to pay the arrears, the heir does not need to pay the remaining arrears.

If the cardholder dies and has no inheritance, just tell the bank directly without repayment.

Legal basis: Article 161 of the Civil Law of People's Republic of China (PRC) (hereinafter referred to as "Civil Law"), 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 acquired 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 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.