In civil disputes, whether children's debts will involve their parents depends on the specific circumstances: if children are minors, parents, as legal guardians of minors, should bear legal responsibilities. If the debt is formed after the child becomes an adult, if there is no such situation of evading the debt and transferring the assets to the parents, the child should bear the responsibility himself, and the parents have no responsibility and will not participate. The following small series will give you detailed answers. If you have other credit card problems, you can click on the link at the end of the article for legal consultation, so that professional lawyers can share your worries.

1. Does the daughter's credit card debt involve parents' repayment?

In civil disputes, whether the children's debts will involve their parents should be analyzed according to the specific circumstances:

1. If the child is a minor, parents, as legal guardians of the minor, should bear legal responsibilities.

2. If the debt is formed after the child becomes an adult, if there is no such situation as transferring assets to parents to escape the debt, the child should bear the responsibility himself, and the parents have no responsibility and will not be involved.

Second, what will be the impact of overdue credit cards?

1, penalty interest for overdue credit card;

2. overdue interest;

3. Bad credit record;

4. Criminal responsibility for malicious overdraft;

5. Credit card overdue repayment records will be recorded in the central bank's credit information system, resulting in bad credit records;

6. If the overdue amount is large, the bank will directly sue the cardholder for credit card fraud and malicious overdraft.

3. What if the credit card is sued for overdue?

1, regardless of the consequences

If the cardholder does not respond to the lawsuit or negotiate, it is likely to be enforced by the court and become a faithless person, which is often called "Lao Lai". No one wants to see children in trouble. If there is really no executable property in the name, there must be a willingness to repay it. If you have "malicious overdraft" behavior, you may go to jail.

2, the correct way to deal with being sued.

Being sued for overdue credit card shows that the overdue degree is very serious and it is urgent to contact the bank. The purpose of bank prosecution is to collect debts. If the cardholder can promise to repay in time, the bank will generally withdraw the lawsuit. When the economy is really difficult, try to negotiate with the bank to repay the loan in installments.

However, the law cannot solve all the problems. Although there is no legal need to pay debts for their children, in real life, in order to avoid the influence of their children, basically all parents will choose to spend all their savings to pay debts for their children. Credit card can overdraw consumption and meet our individual needs, but it is also a double-edged sword, which should be used reasonably. If you really encounter problems that cannot be solved, you can consult a professional lawyer. There is a team that specializes in handling credit card and online loan disputes. If necessary, you can click on the link below to consult a professional lawyer.