when a person dies, he has to pay back the money owed to the bank credit card. Credit card holders can sue the people's court for inheritance repayment when they die. In short, it is natural to pay back debts. If you don't pay back the credit card for a long time, it will be considered as fraud. However, after the death of the cardholder, if the credit card is in arrears, the immediate family members or other close relatives should be responsible for repayment, or if the cardholder had property before his life, his property should be used to repay it.

legal analysis

if the cardholder's credit card spending occurs during the marriage, then according to the relevant regulations, the creditor's debts incurred by one spouse in his own name during the marriage relationship shall be treated as the same debts of the husband and wife. Therefore, if the cardholder has no other personal property, the other spouse should continue to repay. If the cardholder dies because of an accident, such as a car accident or a doctor's medical accident, he may get a compensation. If the family members cooperate, the bank may recover the arrears. If they don't cooperate, the bank will at most sue the court. If the debt is greater than the legal fees, it is possible to sue, and if the debt is less than 5, it is basically a bad debt. If the immediate family members have no capacity for civil conduct or repayment ability, the bank will see whether they have property or inheritance. If the cardholder dies, the money will go to his immediate family, and the people's court can enforce it. For example, if you have a car and a house at home, you can auction the house and the car, and then the money can be repaid to the bank. If someone returns it, it will be less complicated.

Legal basis

Article 164 of the Civil Code of the People's Republic of China * * * The debts incurred by both husband and wife * * * with the same signature or later ratification by one husband and wife, and the debts incurred by one husband and wife in their own name for the daily needs of the family during the marriage relationship belong to the same debts of husband and wife. The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family do not belong to the same debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's * * * life, * * * production and operation, or based on the same meaning of both husband and wife.