If the son is a cardholder, he has a loan relationship with the bank, and the son is a borrower and has the obligation to repay. Credit card arrears will not generate high interest and late fees, but will also affect personal credit records. If it is malicious arrears, it will be investigated for criminal responsibility. The cardholder can take the following measures to solve the problem: repay the minimum repayment amount. As long as the cardholder can repay this minimum amount, the bank will not charge late fees, nor will it affect personal credit, but will charge interest of five ten thousandths per day. Or take the initiative to negotiate with the bank to postpone repayment. Article 412 of the Civil Code: If the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, resulting in the collateral being sealed up by the people's court according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the collateral from the date of sealing up, unless the mortgagee fails to notify the debtor who should pay off the legal fruits.