Debts generally will not implicate parents or children, but may implicate spouses. During the relationship between husband and wife, the debts borne by one spouse in his or her own name for the daily needs of the family belong to both spouses. For debts, creditors can claim claims against both spouses.

1. Will the money owed by children on credit cards harm their parents? 1. The money owed by children on credit cards will not harm their parents. If you don't repay your credit card, first of all, your personal credit report will have overdue records, causing credit stains. Secondly, non-repayment will result in interest of 0.05% per day and late payment fees every month. Repayment costs will become higher and higher. If a credit card is overdue and the bank fails to repay the amount within two months after three reminders, and the amount exceeds 5,000, the bank has the right to sue. The bank will ask you for money, not your relatives or parents. 2. It may implicate the spouses. During the relationship between husband and wife, the debts borne by one spouse in his own name for the daily needs of the family are the joint debts of the spouses, and the creditor can claim creditors' rights against both spouses. 3. In the following two situations, it is possible for family members to jointly bear debts: (1) Family-run individual industrial and commercial households and rural contracted households. (2) The children owed debts for the family business during their lifetime, because the profits and losses of the business belong to the family members, and they are jointly and severally responsible for each other. After the children's debts owed during their lifetimes, their parents are responsible for the family property after their death. be repaid within the scope.

2. Consequences of overdue credit cards 1. Bank collection: After a credit card is overdue, the cardholder will continue to receive collection calls from bank staff or repayment reminder text messages. 2. Charged with overdue interest: Once a credit card is overdue, the bank will charge overdue interest on the overdue portion at an interest rate of 0.5% per day, which increases the pressure of repayment. 3. Cause bad credit record: If the debt is not paid off in time during the credit card repayment grace period, the relevant overdue repayment records will be uploaded by the bank to the central bank's credit reporting system, thereby generating a personal bad credit record. Credit cards are different from online loans. It is not feasible to play the game of losing contact and forcing them to go ashore. If your credit cards are overdue at the same time, different banks will call to collect them separately. No matter which one you are from, no matter whether you have money to repay or not, you still have to answer the call. Otherwise, if you don't answer the phone, the bank will directly think that it is malicious overdue and suspected of credit card fraud. . 4. Being sued by the bank: If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit with the court. After winning the lawsuit, the cardholder will be forced to repay the card by the court.