Your cousin’s parents have it really hard. If you want to prevent him from getting a card, late repayment is not enough. You should ask your cousin's parents to be cruel and not repay him, so that your cousin will be on the blacklist of the credit reporting system, and all banks can check the records, and he will not be able to apply for a card. But there are pros and cons to this approach. If your cousin gets a loan to buy a house in the future, the bank will not grant him a loan because he is on the blacklist. In addition, I can only say that your cousin is too ignorant.