No need.

1. Do children have to pay back their parents’ credit card?

If the parents are still alive, there is no need for their children to repay. The debtor owes the debt himself, unless the parents die and the children inherit the parents' estate, then the children must repay the parents' debts according to the actual value of the inheritance.

2. Six major impacts of overdue credit cards

1. Overdue credit card fees

2. Overdue interest

3. Bad credit Records

4. Criminal liability for malicious overdrafts

5. Credit card overdue repayment records will be recorded in the central bank’s credit reporting system, creating a bad credit record

6 , If the overdue amount is large, the bank will directly sue the cardholder for credit card fraud and malicious overdraft

If the credit card is overdue and the party is not intentional, then as long as the overdue bill is paid off within the time limit, Can. If the graceful repayment period has passed, you can explain it to the bank that issued the card and pay off the bill in time. If your credit card is overdue for 90 days, you may be sued by the bank that issued the card.

3. How much does it cost to go to jail for an overdue credit card

1. If the amount owed reaches more than 10,000 and is not returned for more than 3 months after being called upon twice by the card-issuing bank, you should Identified as "malicious overdraft" under the criminal law, suspected of credit card fraud;

2. The amount of malicious overdraft is relatively large, and all the overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, the case may not be pursued according to law. criminal responsibility.

4. How long does it take for the credit card blacklist to be eliminated

Multiple overdue credit card payments and illegal cash outs may be included in the credit card blacklist, because most of these records will be recorded in In the People's Bank of China's credit reporting system, bad records will be retained in the personal credit reporting system for five years, and in serious cases, they will be retained for ten years or even longer. Therefore, generally, credit card blacklists can be eliminated after five years. However, if the circumstances are not serious, the cardholder can apply to the bank to cancel the bad record after settling the debt. If the bank agrees, the central bank will delete the overdue record. If the bank refuses, it will automatically delete it after 5 years by default.

Therefore, the use of credit cards must comply with the relevant repayment regulations. If there is a debt, it needs to be repaid in time within the specified time. Otherwise, it will be overdue. Once it is overdue, it will have many adverse effects. , it may seriously affect your children's schooling, so when using a credit card, you need to use it according to your actual situation.

Legal basis:

"People's Republic of China and Civil Code"

Article 1161: The actual value of the inheritance shall be Pay off the taxes and debts that the deceased should pay according to the law within the limit. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs.

If the heir gives up the inheritance, he will not be liable for the taxes and debts that the deceased should pay according to law.