I want to return it. If someone dies, the credit card still needs to be returned. The creditor's rights will not disappear because of the borrower's death, and even if the borrower dies, the debt still needs to be returned; If the borrower still has assets under his name after his death, the credit card center can dispose of the assets to repay the arrears.

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

I. Summary of the person in charge of the business management department of the People's Bank of China, the competent department of personal credit information system: Personal credit information system is a "credit file" (that is, personal credit report) established by specialized institutions for everyone, and then provided to banks, data subjects, financial regulatory agencies, judicial departments and other government agencies. This kind of activity of sharing credit information between banks through third-party institutions is credit investigation. With the intervention of the credit bureau, when you borrow money from the bank, the account manager can check your credit report with your consent, so as to tell you whether you can provide the loan as soon as possible and save time.

Second, on the one hand, the personal credit information system is a tool to prevent financial risks and maintain financial stability. On the other hand, it also promotes the establishment of social credit system. Specifically, personal credit information is divided into three parts. The first part is personal basic information, the second part is credit information, and the third part is non-bank information. Personal basic information includes personal identity, spouse identity, residence information, occupation information, etc. Credit information includes bank credit information summary, credit card quasi-credit card information summary, loan information summary, loan guarantee information summary for others, etc. Non-bank information refers to personal insurance and payment information, housing provident fund information, road maintenance fees, telecom users' payment, etc. According to the actual situation, the system information will also include the customer's own statement. This information does potentially affect individuals' lending behavior in banks.