However, in real life, if a family member is sued by the court for arrears or overdue credit cards, the common property will also be sealed up and auctioned. The study and employment of the people on the list of people who have lost their trust and their children will be affected.
Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (5) The borrower's credit status is good and there is no major bad credit record; "It can be seen from this regulation that under the premise that the borrower's personal credit status is good and there is no major bad credit record, as long as other conditions stipulated by the bank are met, the loan can be obtained; In addition, if the borrower's children have bad credit records, this method will not prohibit loans, which means that the borrower will not affect the credit status of others because of their children's bad credit records.