Legal analysis: No, it mainly depends on whether the deceased card holder has any property inheritance, such as real estate, deposits, cars, etc. If the estate is sufficient to repay the debt, it is deducted from the estate. If the immediate family member does not have the capacity for civil conduct or the ability to repay the loan, the bank will look at whether the cardholder has any property or inheritance. If there is no property or inheritance, the bank will consider it a bad debt.

Legal basis: Article 13 of the "People's Republic of China and Civil Code" A natural person has the capacity for civil rights from birth to death, enjoys civil rights in accordance with the law, and assumes civil obligations. This means that the acquisition of civil rights capacity of a natural person begins at birth. The termination of the civil rights capacity means that the civil rights capacity of a natural person is extinguished upon death. As a natural person, the credit card holder has died, and his civil rights capacity will naturally terminate.