Everyone who has used credit cards knows that the interest-free period of credit cards is generally as long as 56 days, so many people have made a bad idea and started to cash out with credit cards so that they can enjoy interest-free loans. But this kind of behavior is illegal, and it will even affect personal credit records in the future. What's more, in any case, in the end, the money will be returned by the debtor as scheduled. However, if a person is terminally ill, he has cashed in 654.38+0 million with his credit card before his death, and then he dies, and the bank can't hold him accountable through legal means, so what can he do to recover his losses?

Freeze accounts and cash assets.

You know, it is impossible for a person to cash out so much money at one time, and banks are not fools. For users who fail to pay large sums of money within the time limit, their accounts will be frozen immediately, and legal procedures will be taken to prosecute users according to law. Once sued, all assets under this user name will be frozen if the money is not returned. If the user has died, these assets under his name will be exchanged by the bank to make up for the losses of the bank. For example, deposits, funds and stocks in bank cards can be used to pay off debts.

Auction the physical assets and inheritance under this user name. If the assets under this user name are less than 1 10,000, then his physical assets will be auctioned. If there are valuable things such as cars and houses in his name, they will be auctioned, and the proceeds from the auction will be used to repay the debts of the bank.

If it is not enough, the bank will use the user's inheritance to pay off the debts. Don't think that everything will be fine if you leave it to your children before you die. You can pay off your debts with your inheritance, and your children can't stop it. After all, it is natural to pay off debts and support banks to do so at the legal level. But if this person has nothing and left nothing of value to his children, then this account can only be forgotten and become a bad debt.

Summary: But in real life, banks can't be unaware of such a large capital flow, and they won't let you cash out so smoothly, and they will also monitor you in real time, so it is not feasible to cash out 654.38+00,000 before dying.