Legal analysis: The heirs of the estate need to repay. If the decedent dies and owed credit cards during his lifetime, the heirs will still be responsible for repayment within the scope of the inherited property. If the heir gives up the inheritance, he does not need to repay the debt, but he must give up the inheritance before the inheritance is divided. According to relevant legal provisions, the inherited estate must pay off the taxes and debts that the deceased should pay in accordance with the law. The taxes paid and debts paid off are limited to the actual value of his estate. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs.

Legal basis: Article 1161 of the "People's Republic of China and Civil Code" The heir shall repay the taxes and debts that the deceased should pay according to law to the extent of the actual value of the inheritance received. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs. If the heir gives up the inheritance, he will not be liable for the taxes and debts that the deceased should pay according to law.