1. If the heir is unable to repay, the bank will check whether the deceased has property or inheritance. If possible, it will offset the debt. If not, it will generally be regarded as bad. 2. If the cardholder dies unexpectedly, he may get some compensation. At this time, if the family can cooperate, the bank may be able to recover some debts. However, if he is unwilling to cooperate, the debt is indeed very large, and the bank can only sue the court and solve it through law. At present, there is no clear regulation and statement on how to owe money after the death of a credit card. Therefore, if the cardholder dies, the bank will try its best to collect the debt, but if it cannot be collected, it can only be regarded as a bad debt. The above is the answer to the death of a credit card debtor.