Legal analysis: As long as you pay off your credit card debt in time, your children will not be harmed. However, if you do not pay back the credit card for a long time, your children will be harmed if you become a credit blacklist.

1. It will affect your children’s education: If you are sued by the bank and become a "laogui", your children will not be able to attend high-fee private schools;

2. It will affect your children's employment: If your parents' credit report is not good Serious stains can also affect children's employment. For example, when children are admitted to civil service or public sector jobs, their parents' credit records will be checked, so children may be turned away because their parents' credit records are seriously poor;

3. Impairing children’s student loans: To apply for student loans for college students, you need to provide the credit reports of both parents. If the parents are on the blacklist, the loan is likely to be rejected, leaving the children without money to pay tuition.

It is worth noting that a poor credit record will not only affect your children, but also your spouse. If one party has a bad credit record, the other party will most likely be denied a loan for this reason even if their credit record is good when applying for a loan.

Legal basis: "Civil Service Law of the People's Republic of China"

Article 25 To apply for the civil service examination, in addition to meeting the conditions specified in Article 13 of this Law, They must also possess the qualifications required for the proposed position specified by the civil service department at or above the provincial level.

The state implements a unified legal professional qualification examination system for civil servants in administrative agencies who are engaged in the review of administrative penalty decisions, administrative reconsideration, administrative rulings, and legal advisors for the first time. The judicial administration department of the State Council shall organize and implement it in consultation with relevant departments.

Article 26 The following persons shall not be employed as civil servants:

(1) Those who have received criminal punishment for crimes (2) Those who have been expelled from the Communist Party of China (3) ) have been dismissed from public service (4) have been listed as targets of joint punishment for breach of trust according to law (5) have other circumstances that prevent them from being employed as civil servants as stipulated by law.