It won't affect. If the credit card is not repaid, first of all, there will be overdue records in the personal credit report, which will cause personal credit stains. If my brother's credit card is overdue, it has no effect on himself. Secondly, if he doesn't repay the loan, there will be five ten thousandths of interest every day and a late fee every month. The cost of repayment will be higher and higher. If the credit card is overdue and fails to repay within two months after three reminders, and the amount exceeds 5,000 yuan, the bank has the right to sue. Banks will ask defaulters for money, not relatives.