1. The overdue credit card has no effect on children, only individuals will be investigated, and family members will not be affected. However, if the credit card is seriously overdue and refuses to repay after being sued by the bank, it may be included in the list of untrustworthy people, which is what everyone calls the Lao Lai list. If they become Lao Lai, their children will be restricted to attend private schools.

2. Severity of overdue credit card:

(1) First of all, it is a breach of contract not to repay after a credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. If the bank sues the court and wins, the cardholder will also bear the litigation costs.

(2) Secondly, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes the crime of credit card fraud, he shall also bear criminal responsibility.

(3) Finally, overdue repayment will leave a bad credit record for the cardholder and affect the smooth progress of the cardholder's future loan. It can be seen that the consequences of overdue credit cards are more serious, and cardholders must repay on time.

What if the credit card is overdue?

1. If your credit card is overdue, it's not intentional, so there's no need to panic. First of all, most banks have a repayment period, which means that you only need to return the overdue bills at an appropriate time, and the banks will not hold you too responsible. At the same time, you should also call the bank's customer service phone to avoid credit problems caused by other problems.

2. Don't worry if you repay after the grace period. You can call the bank and tell it that you didn't mean to overdue. First, show your sincere attitude. After that, full repayment is required. If you have no record of overdue repayment before, the bank will not record you as overdue.

3. If you have not only exceeded the grace period, but also communicated with the bank by telephone, but the bank just won't buy it, then you can find some special reasons, such as not receiving a reminder, not receiving a reminder call, then the bank will think it is negligence and will give you time to repay.

4. If you don't have a pleasant negotiation with the bank, it has a history of overdue, which also affects your personal credit. Don't worry at this time, you still need to use the card normally. After 24 months, there will be no such overdue record on your personal credit. In fact, most banks do not want users' credit information to be tarnished. Generally, after the credit card is overdue, the bank will give some time appropriately, but it is best not to overdue. Once the credit information is affected, the consequences will be very serious.