After the death of the cardholder, if the credit card is in arrears, the immediate family members will be responsible for repayment. If the cardholder had property before his life, he will be repaid by his property, and if he has an inheritance, he will be repaid by his heirs. If the 200,000 yuan owed by the credit card belongs to the joint debt of husband and wife, the wife needs to repay it. For example, that 200 thousand was swiped from the credit card when my husband bought a house. If the property belongs to the joint property of husband and wife, the debt is naturally joint and several. For the joint debts of husband and wife, the joint property of husband and wife should be paid off first.

But there are many details:

1. If the cardholder dies due to an accident, such as a car accident or a doctor's medical accident, etc. Then you may get compensation. If the family members cooperate, the bank may recover the arrears. If you don't cooperate, the bank will sue the court at most. If the debt is greater than the legal fees, it is possible to sue. If the debt is less than 500, it is basically a bad debt.

2. If the cardholder has property before his life, there may be a sum of money at home, and there may be a bank other than the cardholder's credit card issuing bank, then the bank has the principle of confidentiality to depositors. How does the collection bank define his property before his death?

3. If the immediate family members have no capacity for civil conduct or repayment, the bank will check whether they have property or inheritance. If there is no property or inheritance, the bank will think it is a bad debt.

4. Identification of heritage. Everything except bank deposits is a house. First of all, you can't buy or sell houses. Then, if the area of commercial housing is less than 65 square meters, if the bank brings a lawsuit to the court, the court will not make a judgment. For the above reasons, if the cardholder dies, the bank that owes the credit card can only try to collect it. If it can't be collected, it is considered a bad debt.

Legal basis:

Article 1089 of the Civil Code of People's Republic of China (PRC)

When divorcing, the joint debts of husband and wife should be paid off. If the joint property is insufficient to pay off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.