Legal analysis: Parents don't need to repay the credit card owed by their children. If a child owes a credit card, it should be repaid by the child himself, and parents have no obligation to repay it. Even if the child dies unfortunately, parents can only be responsible for paying off the child's debts within the actual value of the inheritance. If the debt exceeds the value of the estate, the excess does not need to be repaid, unless the parents voluntarily repay it. If parents give up inheritance, they are not responsible for paying off all the debts of their children.

Legal basis: Article 161 of the Civil Law of People's Republic of China (PRC) (hereinafter referred to as "Civil Law"), the successor shall pay off the taxes and debts that the decedent should pay according to law within the limit of the actual value of the acquired inheritance. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law.