Legal analysis: it will not involve family members. If the credit card does not repay, first, there will be overdue records in the personal credit report, resulting in credit stains. Secondly, if the credit card doesn't repay, there will be five ten thousandths of interest every day, and there will be a late payment fee every month. The cost of repayment will be higher and higher. If the credit card is overdue and fails to repay within two months after three reminders, and the amount exceeds 5,000 yuan, the bank has the right to sue.

Legal basis: Article 40 of the Law of People's Republic of China (PRC) Commercial Bank stipulates that commercial banks may not issue credit loans to related parties; The conditions for granting secured loans to related parties shall not be superior to those for similar loans of other borrowers.

The related parties mentioned in the preceding paragraph refer to:

(1) Directors, supervisors, managers, credit business personnel and their near relatives of commercial banks;

(2) Companies, enterprises and other economic organizations in which the personnel listed in the preceding paragraph invest or hold senior management positions.