A father's credit card debt will generally not affect his children. The details are as follows:

1. Under normal circumstances, children do not have to repay the debt owed by their father legally:

(1) Because there are relevant legal provisions, if an adult is over 18 years old and has civil rights, the father does not need to repay the debts for the child, and the children do not need to repay the debts for the father;

(2) The father Debts must be repaid with personal property, and children do not have the obligation to repay;

2. The situation where the father owes a debt and the children cannot use it is when the father dies and there is an inheritance and debt. Because there are relevant legal provisions, if the debtor dies and uses his inheritance to repay his debts during his lifetime, the amount of the inheritance is limited only. The execution of a bequest shall not hinder the payment of taxes and debts that the legatee shall pay in accordance with the law;

3. If the heir abandons the inheritance, he may not be liable for the taxes and debts that the decedent shall pay in accordance with the law.

Legal basis: Article 1163 of the "People's Republic of China and Civil Code"

If there is both statutory inheritance and testamentary inheritance and legacy, the statutory inheritance The heirs shall repay the taxes and debts that the decedent shall pay according to law; any portion exceeding the actual value of the statutory inheritance shall be repaid by the heirs and legatees in proportion to the income from the estate.

Article 1,161

The heir shall pay off the taxes and debts that the deceased should pay according to law to the extent of the actual value of the inheritance received. 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.