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March 22, 2025 at 7:18 pm in reply to: How should I proceed with a SBI Credit Card payment after the death of the account holder? #30089
User_cf3ea94e
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March 22, 2025 at 7:18 pm

I don’t think his credit score has any relation to his father’s credit score.
March 22, 2025 at 12:06 pm in reply to: How should I proceed with a SBI Credit Card payment after the death of the account holder? #30087
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March 22, 2025 at 12:06 pm

Credit card is unsecured loan. It is risk taken by Credit card company by checking credit score of a person.

Unsecured loans are not easy to recover. There is lengthy process.

Unless amount is big, they will give up recovery after trying for many months. As recovery of just few thousands will lead them to expense of more than that.
March 22, 2025 at 8:54 am in reply to: How should I proceed with a SBI Credit Card payment after the death of the account holder? #30083
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March 22, 2025 at 8:54 am

Legally you are not bound to pay.

But morally if you were indirect user of credit taken (partly or fully) then you decide if you should pay or not.

Depends on you.
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