it will bring trouble to your family. As long as the credit card is paid off in time, it will not bring trouble to children, but if it is not paid back for a long time, it will become a blacklist of credit information.

1. Making children go to school: If they are sued by the bank as "Lao Lai", their children can't go to private schools with high reputation and fees;

2. Involvement in children's employment: If parents' credit information is seriously tainted, it will also affect their children's employment. For example, children will investigate their parents' credit information when they are admitted to civil servants and career establishment, so their children may be rejected because their parents' credit information is seriously poor;

3. Student loan for children: To apply for a student loan for college students, you need to provide credit reports from both parents. If the parents are blacklisted, it is likely that the loan will be rejected and the children will have no money to pay tuition fees.

It is worth noting that a bad credit record will not only bring trouble to children, but also bring trouble to spouses. If one party has a bad credit record, then even if the other party has a good credit record when applying for a loan, it is very likely that it will be refused to lend for this reason.

Solution to overdue credit card:

1. If the cardholder forgets to repay the loan and finds that it is overdue, he must repay it as soon as possible, preferably in full. Call the bank's credit card center to declare non-malicious arrears. If the overdue time is short, the bank may not count bad records;

2. If the credit card is unable to repay due to unemployment, illness and other reasons, before the repayment period, the attendant should take the initiative to contact the Credit Card Center of Bank 412 to explain his financial situation, declare that he has not owed money maliciously, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to postpone the repayment, and the bank and the cardholder will agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the record of overdue credit card repayment will be kept in the credit information system for two years. If it is found that the card is directly cancelled after the overdue payment, the information will not roll, but will be kept for a long time. Therefore, it is best not to cancel the credit card immediately after the cardholder has exceeded the right period. It is best to stick to it for more than 2 years, and then maintain a good credit record.