Legal analysis: If the credit card debtor dies, his estate needs to be used to repay the debt. If there is no inheritance, the debt will be extinguished. If the heir has inherited an inheritance, he will be responsible for repaying the credit card debt within the scope of the inheritance.

Legal basis: Article 1127 of the "People's Republic of China and Civil Code" The inheritance shall be in the following order:

(1) First order: spouse , children, parents;

(2) Second order: brothers and sisters, grandparents, maternal grandparents.

After the inheritance begins, the first-order heir will inherit, and the second-order heir will not inherit; if there is no first-order heir, the second-order heir will inherit.

Children referred to in this article include legitimate children, illegitimate children, adopted children and dependent stepchildren.

The parents referred to in this article include biological parents, adoptive parents and step-parents who have a supportive relationship.

Brothers and sisters as referred to in this article include brothers and sisters of the same parents, half-brothers and half-mothers, adopted brothers and sisters, and step-brothers and sisters with dependent relationships.