Legal analysis: the failure to return the credit card will not affect the children's schooling. Generally speaking, if the credit card is not returned, the bank will collect the cardholder for more than 3 months. If it is not returned, the bank may sue the cardholder. However, the prosecution is also to make the cardholder pay back the money, and it will not affect the cardholder's children's schooling after the prosecution.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: those who use forged credit cards; Use an invalid credit card; Fraudulent use of other people's credit cards; Malicious overdraft.