Parents do not need to bear the responsibility. Whoever owes the credit card will pay it off, and his family will not be responsible for the debt. However, if the debtor is a minor, then the debt will be paid by The guardian will bear the responsibility, and this will be handled based on the actual situation.

1. Do parents have to repay the credit card debt owed by their son? If the son owes credit card debt and cannot repay it, his parents do not need to bear the responsibility. The debtor's debt should be repaid by himself. However, if the debtor is a minor, Then their parents, as guardians, need to bear corresponding responsibilities and be liable for the debt. Article 34 of the Civil Code: The duty of a guardian is to act on behalf of the ward in performing civil legal acts and to protect the ward's personal rights, property rights and other legitimate rights and interests. The rights arising from the guardian's performance of guardianship duties in accordance with the law shall be protected by law. Guardians who fail to perform their guardianship duties or infringe upon the legitimate rights and interests of the ward shall bear legal liability. If a guardian is temporarily unable to perform guardianship duties due to an emergency such as an emergency, and the ward is left without care, the residents' committee, village committee or civil affairs department of the ward's residence shall arrange necessary temporary life care for the ward. measure.

2. What should I do if the credit card money is not paid? If the credit card money is not paid, the bank will collect it, report the information of the perpetrator who does not repay the loan to the central bank, file a lawsuit with the People's Court, and request the People's Court to proceed. For compulsory enforcement, banks generally only use these three methods. Generally, the most commonly used method is collection. Within a short period of time after the repayment period expires, the bank will call the borrower, send a message, or send a message to the borrower. staff came to collect collection items.

1. Change the billing date of your credit card (1) If a cardholder expects that he or she will not be able to repay the credit card, he or she can call the credit card center of the issuing bank to apply for changing the billing date before the billing date (remember to apply before the billing date) ) to achieve the purpose of delaying repayment. (2) Whether the statement date can be changed and the number of times to change the statement date vary from bank to bank. Cardholders should call the bank in advance for consultation.

2. Time tolerance service (1) If cardholders can collect enough money within one or two days after the due payment date, they may wish to make full use of the bank's time tolerance service. (2) The time tolerance service requires cardholders to actively apply.

3. Ask for help If you can't pay off your credit card, in order to avoid overdue payment, borrow some money from a friend first, pay off the credit card, and then pay it back to your friend when you have sufficient funds.

4. Minimum repayment amount/bill installment The minimum repayment amount and bill installment of credit card can also avoid overdue payment, but cardholders need to pay corresponding interest and handling fees to the bank. However, the minimum repayment amount of the credit card and the annual interest rate of the bill installment are as high as 14. It is OK for short-term emergency, but it is not recommended for cardholders to use it for a long time. If your credit card is overdue, you need to repay it in person. Your family is not obligated to help you repay it. Therefore, you must fulfill your repayment obligations after you owe money. If you really can't repay it, you can choose to borrow money. You can also use the method of negotiating with the bank to deal with this debt.