If the person who owed credit card debt died, he could not ask his family to pay it back.

After the death of the cardholder, if there is any debt on the credit card, the immediate family members shall be responsible for repaying it, or if the cardholder had property during his lifetime, his property shall repay it. If there is an inheritance, the payment shall be made by his or her property. The heirs will return it. But there are many details here:

1. 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 there is any property or inheritance. If there is no property or inheritance, the bank will count it as a bad debt;

2. If the cardholder had property during his lifetime, there may be a sum of money left at home, and there may be a bank that is not the issuing bank of the cardholder's credit card. Then banks have the principle of keeping confidentiality for depositors. How does the collection bank define his lifetime property?

3. If the cardholder dies due to an accident, such as a car accident or a doctor's medical malpractice. Then you may get a compensation payment. If the family members cooperate, the bank may recover the arrears. If they do not cooperate, the bank may sue the family in court. If the debt is greater than the legal fees, it is possible to sue. If the debt is less than 500, it is basically considered a debt;

4. Identification of inheritance. Things other than bank deposits are houses. First of all, private houses cannot be bought or sold. So, if the area of ??commercial housing is less than 65 square meters, if the bank sues to the court, the court will not enforce the judgment. Based on the above reasons, if the cardholder dies, the bank can only collect the credit card debt as much as possible. If the debt cannot be collected, it will be considered a bad debt.

In summary, after a person dies, his or her family does not need to repay credit card debts, but his or her inheritance needs to be used to repay the corresponding debts. According to the law, when an inheritance is divided, the taxes and debts that the deceased should pay according to the law should be paid off; however, necessary inheritance should be reserved for heirs who lack the ability to work and have no source of livelihood. The heir shall pay off the taxes and debts that the deceased should pay according to law to the extent of the actual value of the inheritance received. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs. If the heir gives up the inheritance, he will not be liable for the taxes and debts that the deceased should pay according to law.

Legal basis:

Article 1159 of the "People's Republic of China and Civil Code"

When dividing the inheritance, the deceased must be paid off Taxes and debts that should be paid in accordance with the law; however, necessary inheritance should be reserved for heirs who lack the ability to work and have no source of livelihood.

Article 1160

Inheritance that no one inherits or bequeathed shall belong to the state and be used for public welfare; if the deceased was a member of a collective ownership organization during his lifetime, , owned by the collective ownership organization.

Article 1,161

The heir shall pay off the taxes and debts that the deceased should pay according to law to the extent of the actual value of the inheritance received. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs.

If the heir gives up the inheritance, he will not be liable for the taxes and debts that the deceased should pay according to law.

Article 1,162

The execution of a bequest shall not hinder the payment of taxes and debts that the legatee shall pay in accordance with the law.