The overdue credit card of a child will not directly affect the parents’ loan application.

First of all, personal credit records are formed based on the individual’s economic behavior and credit status, and the credit records between different individuals are independent. Overdue behavior on children's credit cards will not appear directly on the parents' credit records, and therefore will not have a direct impact on the parents' loan applications.

Secondly, lending institutions mainly focus on the credit status and repayment ability of the loan applicant during the approval process. They usually assess the applicant's credit risk by inquiring about their credit history, income, credit report and other information. Your child's credit card overdue behavior will not be a direct reference, nor will it be a reason for rejecting a loan application.

Finally, parents can guarantee their children’s credit, in which case the parents’ credit status will have an impact on their children’s borrowing. But even if their children's credit cards are overdue, as long as their parents have a good credit record, they can still provide guarantees for their children.

Through the above analysis, it can be concluded that overdue children’s credit cards will not directly affect parents’ loan applications. During the loan approval process, lending institutions mainly evaluate the applicant's credit status. Parents' loan applications will not be affected because their children's credit cards are overdue. However, parents can guarantee their children's credit, in which case the parents' credit status will have an impact on their children's borrowing.

Extended information:

Personal credit records are collected and managed by the Credit Reference Center of the People's Bank of China and other credit reference agencies. Credit reporting agencies will form a personal credit report based on an individual's credit behavior, such as default records, overdue repayments, loan applications, etc. Personal credit reports have an important impact on financial services such as applying for loans, purchasing houses, and handling credit cards. It is crucial for loan applicants to maintain a good credit history.

However, there is currently no clear regulation in China on whether children’s overdue credit cards will directly affect their parents’ loans. Therefore, under normal circumstances, the overdue behavior of children's credit cards will not have a direct impact on parents' loan applications. However, as parents, you should still educate your children to develop good financial habits. Maintaining a good credit record is very important for future financial security.

In short, the overdue credit card of a child will not directly affect the parents’ loan application. An individual's credit record is independent, and lending institutions mainly focus on the loan applicant's own credit status and repayment ability. Parents' loan applications will not be directly affected by their children's overdue credit cards. However, parents can guarantee their children's credit, in which case the parents' credit status will have an impact on their children's borrowing.