The details of parents' overdue influence on their children's schooling are as follows:
1. If the user is seriously overdue and becomes the executor of dishonesty after being sued by financial institutions, it will affect the children's attendance at private schools, which will also affect the children's attendance at universities;
2. If the user is overdue, but is not listed as the person who has broken the trust, the child's college attendance will not be affected.
The consequences of overdue credit cards are as follows:
1. Overdue penalty interest. Overdue credit cards will generate penalty interest. The bank will calculate overdue interest on a daily basis. The longer the user is overdue, the more overdue interest will be generated;
2. personal credit investigation will be affected, and personal credit investigation will be affected after the credit card expires. Our overdue records will be uploaded to the credit investigation system of the central bank. Once the personal credit investigation has an overdue record, if you want to buy a house and a car with a bank loan in the later stage, it will be affected;
3. Bank collection. After the credit card is overdue, the bank will take collection measures for overdue users. In addition to SMS and telephone collection, banks may also collect money at home, which will definitely have a certain impact on the lives of credit card users.
The specific measures to deal with the person who has been executed in breach of trust are as follows:
1. Bring a lawsuit to the court for repayment of the loan according to law. In the case that the debt collection from the debtor is fruitless, the debtor can promptly file a lawsuit with the court to ask the untrustworthy executor to return the loan and safeguard his own rights and interests according to law;
2. Apply to the court for enforcement. If the debtor refuses to carry out the judgment of the court to repay the loan after winning the case, he may apply to the court for enforcement according to law, apply for enforcement of the debtor's deposit according to relevant laws, or apply for enforcement of his real estate, and ask the other party to double the debt interest or delay payment during the delay. In addition, the debtor's salary and sole house can be enforced according to special regulations. If the debt is the same as that of the husband and wife, you can also apply for compulsory enforcement of the debtor's spouse's property and exposure of credit information.
3. Keep abreast of the information of the person who has been executed in bad faith, so as to prevent him from evading debts. When we meet a debtor who defaults, we need to master his basic information, always pay attention to his major asset changes, know ourselves and know ourselves, and take necessary measures such as notifying the court in time when the other party intends to evade the debt;
4. Bring a suit of subrogation to the court to enforce the property of the third party. If the debtor has no property to execute temporarily, and at the same time enjoys the due creditor's right to the third party but is slow to exercise it, then the principal creditor may file a subrogation lawsuit with the court and apply for subrogation to execute the third party's property;
5. If the circumstances are serious, criminal responsibility shall be investigated according to law.
to sum up, the criterion for entering the list of dishonesty is not how much money is owed, but the behavior of delaying repayment of money owed to others. In other words, no matter how much money is owed, if the debtor pays in full and on time, he will not be included in the list of dishonesty. On the other hand, even if the money owed is small, but the money owed is delayed to repay, the lender will sue the court and fail to perform the effective documents of the court, and the court will be included in the list of untrustworthy people. Only when the credit card is overdue for 3 months or more can it be included in the list of dishonesty.
Legal basis:
Article 1 of "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith"
If the person subjected to execution fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and punish him with credit according to law:
(1) If he has the ability to perform and refuses to perform the obligations specified in the effective legal document;
(2) obstructing or resisting execution by forging evidence, violence or threats;
(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;
(4) violating the property reporting system;
(5) violating the consumption restriction order;
(6) refusing to perform the settlement agreement without justifiable reasons.
Article 3 of the Provisions of the Supreme People's Court Municipality on Restricting the High Consumption and Related Consumption of the Executed Person
If the executed person is a natural person, he/she shall not engage in the following high consumption and consumption behaviors that are not necessary for life and work after taking consumption restriction measures:
(1) When taking the means of transportation, he/she shall choose the second-class or above cabins of airplanes, trains and ships;
(2) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;
(3) purchasing real estate or building, expanding or high-grade decorating houses;
(4) renting high-grade office buildings, hotels, apartments and other places for office work;
(5) purchasing vehicles that are not necessary for operation;
(6) Travel and vacation;
(7) children attend private schools with high fees;
(8) paying high premiums to purchase insurance wealth management products;
(9) Other non-essential consumption behaviors such as taking all seats of G-prefix EMU trains, first-class or above seats of other EMU trains;
if the person subjected to execution is a unit, the person subjected to execution, its legal representative, main person in charge, the person directly responsible for influencing the performance of the debt and the actual controller shall not carry out the acts specified in the preceding paragraph. Anyone who uses personal property for private consumption to commit the acts specified in the preceding paragraph may apply to the enforcement court. If the examination by the enforcement court is true, it shall be allowed.
Article 16 of the Regulations on the Administration of Credit Information Industry
The retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting agency shall record it.