If the child is a person with full capacity for civil conduct over the age of 16, parents do not need to repay the credit card on their behalf. If the child belongs to a person without civil capacity, then the parents as his guardian do not need to return it, but generally speaking, minors without civil capacity cannot apply for a credit card. Voluntary repayment is not included. Legal objectivity:

Article 168 of the Civil Code of the People's Republic of China states that parents have the right and obligation to educate and protect their minor children. If a minor child causes damage to others, parents shall bear civil liability according to law. Article 161 of the Civil Code of the People's Republic of China * * * The successor shall pay off the taxes and debts that should be paid by the decedent according to law within the limit of the actual value of the acquired estate. If the part exceeds the actual value of the estate, the heir will voluntarily repay it. If the heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law.