1, the credit card owed by parents is unable to repay the children, so there is no need to pay it back. If the parents' inheritance is not enough to repay the credit card, others can also bear this part of the debt if they voluntarily repay it. Otherwise, credit card debt will become bad debts and cannot be repaid.

2. Legal basis: Article 188 of the Civil Code of People's Republic of China (PRC).

The limitation period for requesting protection of civil rights from the people's court is three years. Where there are other provisions in the law, those provisions shall prevail.

The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.

Article 189

If the parties agree to perform the same debt by stages, the limitation period of action shall be counted from the date when the last performance period expires.

2. What are the consequences of overdue credit cards?

1, overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and bank collection may also cause life pressure on oneself and family, affecting the normal life of individuals and families;

2. In terms of overdue fees, there will be some fees such as liquidated damages and penalty interest, which need to be collected according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interests;

3. It has an impact on personal credit records, and bad credit records have become obstacles to loans such as mortgages and car loans and credit card processing in the future.