What about credit card arrears after death?

the credit card debt belongs to the debt before life and the debt after death, which should be paid legally. The bank may, by way of prosecution, demand repayment with the living property, and in case of no property, it may be repaid by other transferees or stakeholders. According to different situations, there are generally the following ways to deal with the arrears of credit card after death:

Repayment of living property.

If a person dies with his or her former property, he or she shall repay the credit card debt with his or her former property. If it belongs to accidental death and can obtain corresponding compensation and compensation, the compensation or compensation can be used as the credit card debt repayment way.

Repayment of family common property.

If credit card consumption is used for household living expenses, it belongs to the common debt of the family and shall be repaid with the common property of the family. If it is insufficient to repay, the spouse shall have the obligation to repay.

Repayment by heirs of property.

For credit card debt, if there is a division of the living property, it is necessary to pay off the debts of the deceased before the division, and then carry out property inheritance. If the credit card debt is not repaid before the split, the successor shall have the obligation to repay it.

Relatives voluntarily repay.

In order to reflect the moral spirit of honesty and protect the reputation of the deceased, if the deceased does not have the above property and situation, it is also possible for his relatives to take the initiative to repay the credit card debt.

Bad debt treatment.

If the deceased has no inheritance, family property and other debtors to repay, his credit card debts before his death can only be treated as bad debts.

The way of recovery.

For the credit card arrears after the death of a person, for those who have inheritance, repayment obligations or joint and several liabilities, the bank may sue the court to recover the arrears through litigation.