when a credit card holder dies, the overdraft of the credit card must be repaid by Ta's spouse first. Because husband and wife belong to the same debtor. One spouse is obliged to pay off the credit card debt for the other spouse. If the cardholder has no spouse, see if the cardholder has an inheritance. If you have no inheritance, you don't have to pay it back. If there is an inheritance and it is inherited by the heir, the heir will repay it within the scope of the inheritance.

Some banks have introduced the special guarantee of "no repayment for accident/illness death". Once the cardholder dies due to accidental injury or illness, the unpaid amount in his credit card account will be exempted. Take Ping An Bank as an example, as long as the cardholder pays a monthly premium of four ten thousandths of the credit card amount, with a minimum of one yuan and a maximum of five yuan, he can get the protection of exemption from credit card arrears after death.