Overdue credit cards and Huabei may have an impact on your children. The specific impact depends on the following aspects:

First, overdue records will lower an individual's credit score. Credit score is a measure of an individual's creditworthiness and is used by banks and other financial institutions to decide whether to grant loans or other financial services. If a parent's credit score drops due to overdue payments, it may have an impact on their children's financial services such as loans or credit cards.

Secondly, overdue payment may lead to instability in parents’ financial situation. Being overdue means parents are unable to repay the debt on time, which can lead to the accumulation of interest, late fees and other fees. If the parents' financial situation is affected by the overdue payment, it may affect them in providing better living conditions or educational opportunities for their children.

In addition, delinquency may limit parents’ ability to borrow. Banks and other financial institutions consider an applicant's borrowing history and repayment ability in addition to their credit score when considering whether to grant a personal loan. If parents have serious overdue records, it may limit their ability to borrow money in the future, which will indirectly affect their children’s financial support and development opportunities.

To sum up, overdue credit cards and Huabei may have a negative impact on your children. Being overdue can lower a person’s credit score, bring financial instability, and limit parents’ ability to borrow, which may affect their children’s living conditions and future development. Therefore, it is very important for you to manage your loans and debts. You should pay attention to the reasonable use of credit cards and Huabei, and ensure repayments on time to avoid overdue situations.

Extended information:

Credit score is an indicator that objectively evaluates an individual's credit status. It can be evaluated through multiple aspects such as personal credit record, borrowing record, and repayment ability. Credit scores are mainly managed and compiled by the People's Bank of China's credit reporting system. Banks and other financial institutions decide whether to grant loans or other financial services based on an individual's credit score. Therefore, maintaining a good credit profile is very important for individuals and families.

Late repayment is subject to legal restrictions. According to the Contract Law of the People's Republic of China, the borrower shall repay the loan according to the agreed time and method. If the loan is not repaid overdue, the borrower will bear corresponding legal responsibilities, including payment of interest, late fees, etc. Therefore, timely repayment is one of the important ways to maintain personal credit status.

In addition, Chinese financial institutions often cooperate with Zhima Credit, an online third-party credit assessment service provider owned by China's Ant Financial. Zhima Credit evaluates an individual's credit status based on his or her credit history and behavioral habits. Once a personal credit score declines, it may affect the use of a range of financial services and consumption scenarios.

In short, overdue credit cards and Huabei may have a negative impact on your children, and a good credit status and timely repayment are important factors in maintaining personal credit and economic stability. Family members should pay attention to and manage personal loans and debt together to ensure financial stability and development opportunities for themselves and their children.