Legal analysis: if the child is an adult, the parents of the child who defaults on the credit card will not be liable for the arrears; But if the child is a minor and the parents are the second payers, the credit card should repay the child.

Legal basis: Measures for the Supervision and Administration of Credit Card Business in People's Republic of China (PRC) Article 45 A commercial bank may not issue more than two student credit cards (except supplementary cards) to the same eligible applicant.

Before issuing student credit cards, the issuing bank must confirm the second repayment source, obtain written guarantee materials that the second repayment source (parents, guardians or other managers) is willing to repay on its behalf, and confirm the authenticity of the second repayment source identity.

Before increasing the credit card limit of students, the issuing bank must obtain the written guarantee materials from the second repayment source (parents, guardians or other managers) that it agrees and is willing to repay on its behalf.