If the child is an adult and the child defaults on the credit card, the parents do not need to bear the responsibility for the debt; but if the child is a minor, the parents are the second repayers and have to repay the credit card for the child. According to Article 45 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", no more than two issuing banks may issue student credit cards to the same eligible applicant (except for supplementary cards). Before issuing a student credit card, the card-issuing bank must confirm the second source of repayment, obtain written guarantee materials from the second source of repayment (parents, guardians, or other administrators, etc.) who are willing to repay the money on their behalf, and confirm the second source of repayment. the authenticity of the party’s identity. Before increasing the student credit card limit, the card-issuing bank must obtain written guarantee materials from the second repayment source (parents, guardians, or other administrators) who agree and are willing to repay the student credit card on their behalf. Commercial banks shall formulate management systems for student credit card business in accordance with the principle of prudence, and evaluate, calculate and reasonably determine the initial credit limit of their student credit cards and the maximum credit limit after adjustment based on card usage based on the actual business development. Student credit cards cannot be used beyond the limit.