Generally, overdue credit cards will not affect children's schooling. However, if the overdue time is too long, it will be sued to the court and enforced. If being included in the list of untrustworthy people will affect the children's attendance at private aristocratic schools, and the overdue behavior of using the card for more than 3 days and more than one billing period, the bank will call for collection.

What are the constitutive elements of the crime of credit card fraud?

The constitutive elements of the crime of credit card fraud are as follows:

1. The objects of infringement are the credit card management system and the ownership of public and private property;

2. Objectively, it is the behavior that the actor uses credit cards to defraud public and private property by fictional facts or concealing the truth;

3. The subject is a general subject, and a natural person can be the subject of the crime of credit card fraud;

4. The subjective aspect is intentional.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China

Credit card fraud is committed under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft.

the malicious overdraft mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Theft Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.