1. The credit card owed before your death needs to be paid back, as follows:

(1) In case of the death of the debtor, the bank may sue the legal heir and guarantor of the debtor;

(2) The legal heir of the debtor shall be liable for repayment within the share of inheritance, and the guarantor shall be liable for repayment within the scope of guarantee;

(3) If the amount of debt exceeds the value of the estate, the heirs are not obliged to repay it, but the court will support it if they are willing to repay it.

2. Legal basis: Article 675 of the Civil Code of the People's Republic of China

The borrower shall repay the loan within the agreed time limit. If the loan term is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 51 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 676

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

2. What are the requirements for a bank loan?

1. A natural person aged 18-6;

2. Have a stable job, a stable income and the ability to repay the loan principal and interest on schedule;

3. The actual age of the borrower plus the loan application period should not exceed 7 years old.