It has a certain impact. Under normal circumstances, an overdue credit card will only affect the cardholder's personal credit and will not have a major impact on other family members. However, if the father is overdue for a long time or the overdue amount is large, the bank may outsource the debt to a third-party agency for collection if the collection fails. The collection agency may use the method of collecting money by blowing up the address book or visiting the door to collect money, which will affect the daily life of the children. Moreover, my father was put on the list of dishonest persons by the court because his credit card was overdue, which is what we call Lao Lai. In addition to the father's own high consumption being restricted, his children are also not allowed to study in private schools.

1. Will the father’s overdue credit card affect his children’s political review?

1. If the father’s credit card is overdue, it will not affect his children’s political review. It will only have an impact if the father refuses to comply after being sued by the bank. .

2. If the father is overdue for more than three months, and the amount reaches 50,000 yuan, and the bank has repeatedly called for collection and has not repaid, he will be blacklisted by the bank and prosecuted at the same time. After a credit card user is prosecuted, the court will generally require repayment first. Those who have money but still fail to repay will be classified as dishonest, that is, the legendary bad guys, or those suspected of credit card crimes or malicious overdrafts on their credit cards. You may go to jail. Once you have a criminal record, you will not be able to pass the civil service examination for three generations, which will also have a certain impact on the political review.

2. Do children need to repay their father’s credit card bills?

1. From the perspective of property inheritance, children need to help their father repay credit card debts. However, if the amount owed is relatively If the child is older, then the children have obligations but no responsibilities.

2. Most banks will not require children to repay their father’s credit card bills. Even if the father is seriously overdue and is sued by the bank, after the court ruling, the children only need to repay the credit card bills within the scope of the inherited property. .

3. As for the scope of inherited property, it is relatively difficult to divide. Usual small expenditures are not considered inheritance. But if your parents buy a house or car for you and are sued because it is overdue, you need to help your parents repay the debt within the value of the house or car.

3. Will my brothers and sisters’ loan debt affect me?

No. Only a couple's bad credit can affect each other. The credit of an adult's parents, brothers and sisters has no impact on him or her. In an individual's credit report or credit record, there will first be the individual's basic identity information, such as name, date of birth, home address, contact number and work unit and other basic personal information. Therefore, it can be seen that the individual's credit record is mainly It's a personal situation.

4. Is it affected by the blacklist if a child follows his mother and father after divorce?

No effect. Parents or children who are on the bank's "blacklist" and have bad credit will not have any impact on other family members, because when banks grant loans, they will only check the credit history of the loan applicant, not the credit of other family members, so there will be no Influence. However, if the debt is owed to a third party by both husband and wife or one of them living together as husband and wife during the marriage, both parties shall be jointly and severally liable for the settlement of the debt of the same partner. In this case, after the divorce, It has an impact on my wife.

5. What are the consequences of an overdue credit card?

1. Late payment fees for overdue credit cards. The so-called late payment fees for credit cards refer to the fees that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount.

2. Overdue interest. The daily interest rate will be calculated at 0.5/10,000 within 15 days from the signing date or the bank accounting date. The daily interest rate will be calculated at 10.00% if it exceeds 15 days. If it exceeds 30 days or the overdraft amount exceeds the prescribed limit, the daily interest rate will be calculated at 15.00%. calculate. Overdraft interest is not calculated in stages, but is calculated based on the highest interest rate bracket for the final term or the maximum overdraft amount.

3. Bad credit record.

Overdue credit card repayment records will enter the central bank's credit reporting system to generate bad credit records. Our country's personal credit reporting records have been networked nationwide. As long as individual residents have handled loan business at banks, applied for credit cards, or provided guarantees for others, they will be credited. Then you can check your credit report at any domestic commercial bank.

6. What will be the impact of overdue credit card restrictions on high consumption?

1. When taking transportation, choose second-class or above cabins on airplanes, trains, and ships;

2. High-end consumption in star-rated hotels, hotels, golf courses and other places;

3. Purchase of real estate or new, expanded or high-end decoration houses;

4. Leasing high-end office buildings, hotels, apartments and other places to work;

5. Purchase vehicles not necessary for business;

6. Traveling and vacationing;

7. Children's education High-fee private schools;

8. Pay high premiums to purchase insurance and financial products;

9. Take all seats on G-EMU trains and first-class or above seats on other EMU trains and other consumption behaviors that are not necessary for life and work.

Legal Basis

"Several Provisions of the Supreme People's Court on the Publication of Information on the List of Dishonest Persons Subject to Execution"

Article 1: The person subject to execution fails to perform effective legal documents If a person has a certain obligation and falls under any of the following circumstances, the people's court shall include him or her in the list of dishonest persons subject to enforcement and impose credit penalties on him or her in accordance with the law: (1) Refusing to perform effective legal documents despite having the ability to perform. Determining obligations; (2) Obstructing or resisting execution by forging evidence, violence, threats, etc.; (3) Using false litigation, false arbitration, or concealment or transfer Property and other means to avoid enforcement;

(4) Violation of the property reporting system;

(5) Violation of consumption restriction orders;

(6) None Refusal to execute the settlement agreement for justifiable reasons.

"Interim Measures for the Administration of Personal Loans"

Article 11 Personal loan applications shall meet the following conditions:

(1) The borrower must have full capacity for civil conduct A citizen of the People's Republic of China or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The amount, term and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower’s credit status is good and there is no major bad credit record;

(6) Other conditions required by the lender.