Legal analysis: owing hundreds of thousands of credit cards will not bring trouble to your family. If the debtor is a person with full capacity for civil conduct and the loan contract concluded with others is legal and valid, the legally established contract is legally binding on the parties concerned. The parties shall perform their obligations as agreed, and shall not alter or terminate the contract without authorization. The loan contract is only binding on both parties, that is, only the debtor can pay the debts, and the parents have no obligation to pay the debts. If the credit card is overdue and fails to repay within two months after three reminders, and the amount exceeds 5,000 yuan, the bank has the right to sue.

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 but not more than ten years, and shall also be 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 years 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: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.