Legal analysis: after the bank sues the money owed to the bank, only the spouse has the obligation to repay the debt, and other immediate family members have no obligation to repay it. Cardholders and immediate family members are two independent civil subjects, and they are not confused because of the existence of blood relationship. The cardholder's debt is the creditor-debtor relationship with others as the main body, which has nothing to do with his immediate family. Even after the death of the cardholder, according to the relevant provisions of China's Inheritance Law, the inherited estate should repay the debts owed by the decedent before his death, but it should be limited to the actual value of the estate, and the heir has no obligation to repay the excess.

Legal basis: Article 41 of the Civil Code of People's Republic of China (PRC) * * * At the time of divorce, the debts originally incurred by the husband and wife living together shall be paid jointly. * * * If the same property is not paid off, or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.