1. Does the son need to repay the father’s credit card debt?

1. The son does not need to repay the father’s credit card debt. The debtor owes the debt himself, unless the father dies and the son inherits the father's estate, then the son must repay the father's debt according to the actual value of the inheritance.

2. Legal basis: Article 1159 of the "People's Republic of China and Civil Code"

When dividing an inheritance, the taxes payable by the deceased in accordance with the law must be paid. However, necessary inheritance should be reserved for heirs who lack the ability to work and have no source of income.

Article 1,161

The heir shall repay the taxes and debts that the deceased should pay according to law to the extent of the actual value of the inheritance received. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs.

If the heir gives up the inheritance, he will not be liable for the taxes and debts that the deceased should pay according to law.

2. What are the consequences of credit card debt?

The consequences of credit card debt are as follows:

1. There is no longer interest-free repayment for consumer payments. . The bank will calculate the interest on the consumption amount on a daily basis from the day the consumption occurs, with a daily interest rate of 0.05% and compound interest on a monthly basis;

2. You will receive reminder calls and reminders from the bank. Information;

3. Impact on personal credit record. Arrears records may be fed back to the People's Bank of China's personal credit system, affecting the cardholder's credit, making it impossible for the cardholder to apply for a housing mortgage loan normally.