Legally speaking, parents have no obligation to help their children repay their debts. As parents, they are not the joint bearers of this debt. Therefore, as children, you should also develop good credit card usage habits, consume rationally, use credit cards moderately, and live up to your parents' kindness.

The child is already an adult and has his own civil capacity and cognitive ability. If the child owes a credit card debt, it has nothing to do with other family members. This is the child's personal debt. Her parents don't have to help her repay the loan, but they can cancel the credit card.

After a credit card overdraft, there will be high interest charges. If you pay it off in time, there is no risk of overdue payment. If you overdraft maliciously due to long-term non-payment, if the circumstances are serious, you will be held criminally responsible

Overdue credit cards will also have the following effects:

1. Credit card late payment fees. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount.

2. Overdue interest. After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. That is, as long as the cardholder does not pay off all overdraft fees within the specified period, the cardholder’s last month’s All fees no longer enjoy the bank's interest-free treatment, and the recurring daily interest rate is as high as 50%, that is, the annual interest rate reaches 18%.

Legal basis: Paragraph 2 of Article 57 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks". When the card-issuing bank receives repayment from the cardholder, it shall pay various arrears to its credit card account in the following order: Offset and repayment: If it is overdue for 1 to 90 days (inclusive), it will be offset in the order of interest receivable or various expenses first, and then the principal; if it is overdue for more than 91 days, it will be offset first, then the interest receivable or each other. The expenses will be reimbursed in the order in which they are charged.