Secondly, the overdue credit cards of family members will not affect the credit records of parents or sisters. Everyone's credit record is independent and will not be affected by the credit problems of family members. Therefore, the overdue credit cards of family members will not have a direct impact on the credit records of parents and sisters.
to sum up, family members will not be informed of overdue credit cards, and parents and sisters will not be directly affected by overdue credit cards of family members. Everyone's credit record is independent, and personal overdue problems will not affect other family members.
Extended information:
The overdue credit card usually only affects the cardholder's own personal credit record. The bank will report the overdue records to the basic database of personal credit information of the People's Bank of China, which will affect the personal credit evaluation in terms of loans, house purchase and vehicle purchase. Therefore, individuals need to repay in time and maintain a good credit record.
At the same time, for families in China, the credit records of family members are usually independent. Even if a family member's credit card is overdue, it will not directly affect the credit records of other family members. Personal credit status is mainly related to personal economic status and repayment records, and will not be affected by the credit status of family members.
therefore, overdue credit cards of family members will not affect the credit records of parents and sisters. However, in order to maintain a good credit record and family harmony, individuals still need to be cautious when using credit cards and pay back in time to avoid overdue. Maintaining a good credit record will help individuals get better credit evaluation and financial services in the future.