How to deal with the death of a credit card debtor:

1. Small debts owed by the bank are stipulated that after the death of the person, the small debts on the credit card can be directly reduced or reduced without the need for the cardholder to However, the bank will immediately cancel the account and terminate all functions of the account;

2. If the credit card holder with a large debt dies and leaves an executable estate, the debt will be borne by the heirs of the estate. If the heir fails to repay the debt, the bank has the right to recover the debt through auction of the estate.

Legal basis: "People's Republic of China and Civil Code"

Article 687

The parties agree in the guarantee contract that the debtor cannot When the debt is performed, the guarantor bears the guarantee responsibility, which is a general guarantee.

The guarantor of a general guarantee has the right to refuse to assume guarantee liability to the creditor before the dispute over the main contract has not been tried or arbitrated and the debtor's property has been enforced in accordance with the law and the debtor is unable to perform the debt. However, if there is any of the following circumstances: Exceptions:

(1) The debtor’s whereabouts are unknown and there is no property available for execution; (2) The People’s Court has accepted the debtor’s bankruptcy case;

(3) ) The creditor has evidence to prove that the debtor's property is insufficient to fulfill all debts or has lost the ability to perform debts;

(4) The guarantor expresses in writing a waiver of the rights stipulated in this paragraph.