1. What to do with the credit card owed after death?

If a credit card holder dies and owes money, he or she can sue the People's Court for estate repayment. In short, it is only natural to pay back debts. If you use a credit card for a long time and fail to repay it, it will be considered a fraud and the bank will prosecute. Then the public security agency will issue a wanted order, so the credit card must be repaid according to the regulations, otherwise it will constitute a crime.

When a credit card holder dies, if the cardholder has an inheritance, the bank can pursue the debt from his heirs; if there is no inheritance, the debt dies naturally and the bank cannot pursue the debt from his heirs.

1. The cardholder has inheritance:

Credit card debt is also part of the personal estate. Generally, the debt is paid off first, and then the remaining estate is distributed. , the credit card debt is the debt of the cardholder, so the remaining part of the debt must be paid back before it can be distributed as an inheritance.

2. Situation in which the cardholder has no inheritance:

If the cardholder’s card consumption occurs during marriage, the creditor will be responsible for the debts borne by the spouse in his/her name during the marriage. , should be treated as joint debts of husband and wife. Therefore, if the cardholder has no other personal property, the other spouse should still continue to repay.

2. What are the precautions for handling credit card debts after the cardholder dies?

1. If the cardholder dies due to an accident, such as a car accident, or a doctor's medical malpractice, etc., he may receive a compensation payment. If the family members cooperate, the bank may recover the arrears. , if they do not cooperate, the bank will at most sue to court. If the debt is greater than the legal fees, you may sue. If the debt is less than 500, it will basically be considered a bad debt.

2. If the cardholder had property during his lifetime, a sum of money may be kept at home, or may be stored in a bank other than the issuing bank of the cardholder's credit card, then the bank has the principle of keeping depositors confidential. How does the collection agency define his property during his lifetime?

3. 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 consider it a bad debt.

4. Identification of heritage. Apart from bank deposits, things 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.

If the cardholder dies, the money will be traced to his immediate family members, and the people's court can enforce it. For example, if your family owns a car and a house, you can auction the house and car, and then the money can be used to repay the bank. If someone has paid it back, it's not that complicated.

Credit card debt belongs to the credit card debtor. If the debtor dies, the debt will be inherited by his heirs. If the credit card debtor has an heir and the heir has not explicitly given up the inheritance, then The heir will need to repay the credit card debt within the limit of his inherited property.