Legal analysis: 1. The bank will come, enforce it by legal means, and pay off the debts with the assets of the deceased. For the heirs, after excluding all the gambling debts due from the deceased, credit card arrears are standard liabilities. So don't expect to owe money to the bank after death and leave the house to your son. See if there is inheritance. If the bank knows that there is an inheritance and is ready to take it, the law says that the inheritance must pay off the debt first. Of course, if there is no inheritance, you can naturally not return it.

In this case, if the borrower dies, the bank will not admit it in vain. In a country ruled by law, the state has perfect laws to protect the rights and interests of customers and banks. The bank will make an analogy with the borrower's parents and immediate family members. In other words, there are policies at the top and countermeasures at the bottom.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.