Legal analysis: the credit card owed by parents is unable to repay their children and does not need to be repaid. Because the contract is relative and only binds both parties, if the children inherit their parents' inheritance, they need to repay their parents' debts within the inheritance limit.

Legal basis: Article 161 of the Civil Code stipulates that the heir shall pay off the taxes and debts that the decedent should pay according to law within the actual value of the estate obtained. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir.

If the heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law.