Legal analysis: If the debtor of a credit card dies, banks and other financial institutions can get the arrears that should be repaid from their inheritance. If the inheritance is inherited by his heirs. The issuing bank institution may require its heirs to pay off the credit card arrears within the scope of the estate value. If the inheritance is insufficient to repay the arrears, the insufficient part shall be voluntarily repaid by the heirs.

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

Article 159 When the estate is divided, the taxes and debts payable by the decedent according to law shall be paid off; But the necessary inheritance should be left to the heirs who lack the ability to work and have no source of income.

Article 161 The successor shall pay off the taxes and debts that the decedent should pay according to law within the limit of the actual value of the inheritance. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law.