Credit Card fee after the person passed away

[JoshuaJebaraj]

Hey folks
My father passed away last year on may . Unfortunately we forgot to close his one of the credit card and its get charged renewal fee automatically (500rs) , we missed the message and forgot to close the card and now this month its get bill around 2.5k , I tried to reach out to the bank via the mail and now they are mentioning that they can't do anything I have to pay the full amount , is there something I can do

 

[KingAAR]

sorry for ur loss, but even if you don't pay , I don't. think they are gonna do anything

 

[jack333]

Hey folks
My father passed away last year on may . Unfortunately we forgot to close his one of the credit card and its get charged renewal fee automatically (500rs) , we missed the message and forgot to close the card and now this month its get bill around 2.5k , I tried to reach out to the bank via the mail and now they are mentioning that they can't do anything I have to pay the full amount , is there something I can do

They usually waive off the amount due and close the credit account. Sorry for your loss bro

 

[JoshuaJebaraj]

 

[JoshuaJebaraj]

I tried to emailing them , they mentioned they can't waive off the whole fee
So here are the amount that charged
April - 500
May - 1500
June - 2500
Is there something I can do ?

 

[helloworld]

Sorry for your loss

- based on internet

1. First thing you should do is to inform concerned banks about the demise of your father and stop use of those credit cards.
2. check, if there was any insurance your father had especially on credit card outstanding. If yes, you should inform related insurance company.
3. Legal heir as they inherit assets or property, they also inherit liabilities. Thus, if the insurance is not adequate to repay the debt, you / other legal heir will be liable to pay the debt. Though I am not legal expert, as I understand that the credit card debts are paid from deceased persons assets. If the deceased person does not have assets, then the credit card debt may get written off.
4. If possible repay as soon as possible and fight for refund.
5. banks will come out with the dues, either you have to pay or fight legally saying you are not liable.

Note:

If a person dies without paying his personal loan or credit card bill, the bank cannot ask the surviving members of his family or his legal heir to repay the loan. Since it is an unsecured loan, there is no such thing as collateral and hence the property cannot be attached. In such a situation, banks write it off i.e. put it in the NPA account.

Ideally if you inform bank last year, then you will have higher chances but not sure what happens after a year since the due amount keep increasing.