according to article 33 of the inheritance law, "inheritance should pay off the taxes and debts that the decedent should pay according to law, and paying taxes and paying off debts is limited to the actual value of his estate. If the part exceeds the actual value of the estate, the heir will voluntarily repay it. If the heir renounces his inheritance, he may not be liable for the taxes and debts that the decedent should pay according to law.
According to Article 26 of China's Inheritance Law, unless otherwise agreed, half of the * * * and all the property acquired by husband and wife during the marriage relationship shall be divided into the spouse's property and the rest shall be the decedent's estate. When one of the spouses dies, the surviving spouse has the right to divide the property and inherit the deceased's estate. That is, the spouse has the obligation to repay the debt.
If the cardholder has neither inheritance nor spouse, the credit card debt as personal debt can only be treated as bad debt, and should not be borne by his parents, brothers and sisters and other relatives.
If the credit card holder fails to notify the bank in time to deal with it, the card debt owed will generate interest and late fees. In this case, the cardholder's family members need to show the cardholder's death certificate issued by the public security organ to the counter of the bank's business outlets and explain the situation to the teller, so that they can cancel the credit card and other businesses. The overdraft interest generated after the cardholder's death can be reduced through negotiation.