If the son owes a credit card and cannot repay it, his parents do not need to bear it. The debtor's debt should be repaid by himself. However, if the debtor is a minor, his parents, as guardians, need to bear corresponding responsibilities. Liability for the amount owed.
According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.
Legal Basis
"The People's Republic of China and the Civil Code"
Article 34 The duty of a guardian is to act on behalf of the ward in carrying out civil legal acts. Protect the personal rights, property rights and other legal rights and interests of the ward.
The rights arising from the guardian's performance of guardianship duties in accordance with the law shall be protected by law.
If a guardian fails to perform his guardianship duties or infringes upon the legitimate rights and interests of the ward, he shall bear legal responsibility.
If a guardian is temporarily unable to perform guardianship duties due to an emergency such as an emergency, and the ward's life is left unattended, the residents' committee, village committee or civil affairs department of the place where the ward lives shall provide for the ward's care. The guardian arranges necessary temporary living care measures.
Article 18: Adults are persons with full capacity for civil conduct and can independently perform civil legal acts.
Minors over the age of 16 who rely on their own labor income as their main source of living are regarded as persons with full capacity for civil conduct.