If the son is an adult, parents don't need to take credit cards. If the son is a minor under the age of 18 (a person with no capacity for civil conduct or a person with limited capacity for civil conduct), the person with limited capacity for civil conduct is a person with no capacity for civil conduct. At this time, parents are the legal guardians of their sons and have the responsibility to repay their sons' debts. Of course, a person who has reached the age of 16 and can support himself is also a person with full capacity for civil conduct. If his son is an adult (with full capacity for civil conduct), he can independently undertake civil obligations and exercise civil rights. Now that they are independent, parents naturally have no legal obligation to pay back the money for their sons.

legal ground

Measures for the supervision and administration of credit card business of commercial banks

Article 70 Under special circumstances, if it is confirmed that the amount owed by a credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank may negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. The contents of personalized installment repayment agreement shall at least include:

(a) the balance, structure and currency of the arrears;

(2) the repayment period, method, currency, date and repayment amount of each installment;

(three) whether to charge annual fees, interest and other fees during the repayment period;

(4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled;

(five) the rights and obligations of both parties and the liability for breach of contract;

(6) Other matters related to repayment.

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.