First, how to deal with the credit card debt when a person dies

The death of a credit card debtor does not mean that his credit card debt will not have to be repaid.

after the death of the credit card debtor, his immediate family members should repay the debts on his behalf, or if the credit card debtor had property before his death, he should repay the debts with his property. If there is an inheritance, the heirs of the inheritance shall repay it.

If the immediate family member has no capacity for civil conduct or repayment, the bank will depend on whether he has property or inheritance rights. If there is no property or inheritance, banks will be regarded as bad debts.

A citizen's estate after death is divided after paying off debts. If the deceased is found to have outstanding debts after the division, the successor shall pay off the debts within the scope of inheriting the property.

2. What are the consequences of overdue credit cards

1. There is a penalty interest. The calculation method of overdue penalty interest of Bank of Communications credit cards is: each consumption amount in the last statement is the interest-bearing principal, and the interest-bearing date is from the account income date to the repayment date, and the interest rate is .5% of the daily interest rate.

2. personal credit investigation is affected. if the user has overdue behavior in the process of using the bank of communications credit card, the bank of communications will upload the cardholder's overdue record to the central bank's credit information system truthfully. Once there is a bad overdue record of personal credit information, it will affect the subsequent processing of bank credit business.

3. Take legal responsibility. If the overdue amount of the user is large and the overdue time is long, Bank of Communications can also sue the overdue user for malicious overdraft. If the repayment is overdue for more than 3 months after being urged by the bank twice, once it is judged as malicious overdraft, it may also bear criminal responsibility for overdue credit cards.

3. What should I do if my credit card is overdue?

1. The first is to repay the principal and interest in arrears. The interest on credit cards overdue for five years is increasing, so the interest for five years should be a large amount.

2. If you can't repay the loan, you should immediately communicate with the bank, explain the situation to the bank and apply for repayment by installments. Don't put it off again and again.

3. If the amount owed is a malicious overdraft and cannot be repaid after repeated reminders, it shall bear legal responsibility. It may even constitute a crime of credit card fraud. If the bank brings a lawsuit to the court and wins, the cardholder shall bear the litigation costs.

In a word, the above is all about how to deal with the credit card arrears when people die. When using credit cards, friends should not only know about consumption, but also fully understand credit cards to avoid affecting their lives because of some unknown rules.

in special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.