If personal credit leaves a bad record, loans and credit card applications will be affected, and tourism and employment will also be implicated. However, the bank does not stipulate that parents' bad credit information will affect their children. In other words, if you are a black household with credit information, it will generally have no influence when your child applies for a loan or credit card, because the personal credit information record is independent, so the bank will not query the parents' credit information record when checking the credit information.

For those who break their promises, they mainly impose administrative and economic restrictions on themselves. For his family, it will mainly harm his children. Brotherly brothers will not be affected. Debt is not incurred by relatives. If the younger brother doesn't guarantee, it will only affect the debtor. In addition, it has little effect on children's general study, travel and travel.

From this perspective, my brother's credit problems will not affect my brother. It will only affect his own credit information. Because the cardholder is my brother's name, and the personal information in the credit report is also my brother's own ID number. It should be noted that if the younger brother's credit card is overdue for a long time, he maliciously evades bank debts and has no willingness to take the initiative to repay, which may affect the education and development of future generations.

Legal basis:

"Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Persons Executed in Disbelief"

first

If the person subjected to execution fails to fulfill the obligations specified in the effective legal documents, and under any of the following circumstances, the people's court shall include him in the list of people subjected to execution for breach of trust and impose credit punishment on him according to law:

(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;

(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.