1. Will parents’ credit card debts affect their children?

Under normal circumstances, as long as parents can pay off their credit card debts in time, they will not be affected. to children. However, if the parents do not repay for a long time without any actual repayment behavior, and become a credit blacklist, their children will be affected. The main consequences are as follows:

1. Impairment of children’s employment: parents’ credit report There is a serious stain. When children are admitted to civil service or public sector jobs, they are very likely to be turned away because their parents' credit reports are seriously poor, because the employer will investigate their parents' credit reports.

2. Impeding children’s education: Parents were sued by the bank and became “laoguai”, and their children were affected by this and were unable to attend high-fee private schools;

3. Impeding children’s student loans: To apply for a student loan for college students, you need to provide the credit report of both parents. If the parents have a stain on their credit report, the loan will most likely be rejected.

2. Will owing a credit card affect the spouse?

Detailed analysis of the specific situation:

1. The credit card debt is used for the family to live together, so the couple Both parties have to bear the debt and have the obligation to repay it, because at this time, the credit card debt has been recognized as a joint debt of husband and wife, and the spouse will naturally be implicated.

2. Credit card debt is for personal consumption. If the credit card debt existed before marriage, it is a personal debt and will not affect the spouse. The spouse does not need to bear any repayment responsibility.

3. The husband and wife have made a clear agreement on the distribution and ownership of property during the marriage and it has been notarized, so if one party owes a credit card, the spouse will not be affected.

3. If parents owe credit cards, are children obligated to repay the debt?

It is mainly divided into two situations: parents are alive and parents are absent:

1. Parents are alive:

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Children have no obligation to repay credit card debts to their parents while their parents are still alive, and the law does not allow banks to collect debts from their children. However, it should be noted that children have a duty to help their parents repay their debts because they have the obligation to support their parents.

2. Parents are absent:

If the parents are gone and the money owed to the credit card has not been repaid, the law does not provide for the debts of the father and the children to be repaid, so the children do not have to repay the debts. The bank has no reason to pursue the debt.

However, there is an exception: according to the inheritance law, if parents leave inheritance to their children, the children must repay within the value of the inheritance, and the excess after paying off the debt will be inherited by the children. . Of course, if the amount owed is greater than the value of the estate, the children do not need to use their personal property to repay the debt.

In short, serious credit card debt by parents will harm their children. Please refer to the three situations given in the article to see whether credit card debt will harm your spouse. Whether parents owe credit cards and children are obligated to repay the debt is mainly divided into two situations given in the article.

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.