1. Will it affect children if parents are sued for owing credit cards? Generally speaking, the father's owing credit cards is a personal civil act, which will not involve children. Children have no responsibility and obligation to repay the credit card debts for their father. However, if the father is sued by the bank for failing to repay his credit card and is included in the list of people who have broken his promise, it will affect the excellent private schools for his children. According to "Several Provisions of the Supreme People's Court on Restricting the High Consumption of the Executed Person": 1. If the parents are untrustworthy, their children's education will be restricted, and they can also attend private schools with high fees. 2. In the enrollment policies of private schools in some cities, it is clearly stated that private schools should restrict the children who have broken faith from attending high-fee private schools, and those who have already enrolled should immediately transfer to public schools. 3, affecting the employment of children. When a child is admitted to a civil servant, career establishment, or a job in a large enterprise, he may be rejected because his parents' credit information is seriously poor. 4. In addition, some schools that need political review for students may also reject the children of untrustworthy people.
second, will credit card cancellation affect personal credit report? first, credit card cancellation will not affect personal credit report. 2. Users don't need a credit card, so they can cancel their accounts naturally. The account cancellation record is not a bad credit record. 3. Only overdue records or records that violate laws and disciplines are bad credit records, and such records will affect personal credit information. 4. As for credit card records and loan records, they are all part of personal credit report. 5. After the credit card is successfully cancelled, the user can apply for a credit card again. As long as there is a certain time interval, the user can enjoy the treatment of new users.
3. What will happen if the credit card is overdue?
1. High interest and late payment fee (1) If the credit card is not repaid, the cardholder will no longer enjoy the interest-free period of the credit card, and will charge five ten thousandths of interest every day from the day of consumption, and calculate compound interest monthly. If tens of thousands of yuan are owed in less than a few days, it will generate thousands of yuan of interest, and the longer the time, the higher the interest. (2) If the credit card is not repaid in time after the interest-free period, the bank will charge the cardholder a late payment fee, accounting for 5% of the unpaid part of the minimum repayment amount, and the bank will charge the cardholder a higher penalty interest after a certain period of time. 2. Personal credit stain How important personal credit record is, as long as you have applied for a credit card or a loan, you will know. Once your credit record is stained, it will be very difficult to apply for a credit card. This is not the most troublesome thing. The worst thing is that if you want to buy a house with a credit stain in the future, the loan amount of a mortgage will be less than others' interest rate and higher than others'. If it is overdue and even wants to spend more interest rate, the bank will not lend it to you.
3. If the credit card is stopped and the credit card is not repaid, the bank will withdraw the revolving credit given to the cardholder, and the credit card will be stopped. For those who have been in arrears for many times or have been in arrears for a long time, the bank will think that the cardholder has a high repayment risk, and will stop using the credit card and recover the debt from the cardholder. If the bank still fails to pay back the credit card debt, the bank may apply for auctioning the cardholder's other fixed assets.
4. Malicious arrears will be sentenced. If the credit card is unpaid for more than three months, it will be regarded as malicious overdraft, and the bank can start judicial proceedings. China's criminal law stipulates that if the credit card overdraws more than 5, yuan, and the debt lasts for more than three months, and the bank refuses to repay it after more than three reminders, the judicial organ will take corresponding measures (criminal detention of less than 5, yuan). Parents owe credit cards, which affects their personal lives. However, if parents are blacklisted for credit reporting, they will be restricted from spending too much in the future, which will have an indirect impact on their children, because such a situation is not allowed if their children attend aristocratic schools. After overdue, the cardholder needs to pay high overdue penalty interest and liquidated damages.