Legal analysis: If the credit card owner dies, if he has an inheritance, the bank can recover it from his heirs; if there is no inheritance, the debt will die naturally. For inheritances, one usually pays off one's own debts first and then distributes the remainder. Therefore, if there is an inheritance after the credit card owner dies, the credit cards will be repaid first. If there is no inheritance and no spouse, then the credit card debts that are personal debts will be treated as bad debts. , not borne by relatives.

Legal basis: Article 1159 of the "People's Republic of China and Civil Code" When dividing an estate, the taxes and debts that the deceased should pay in accordance with the law must be paid off.