Legal analysis: specific analysis of specific circumstances. If it's just my debt, then my parents and debtors are not the same thing, so my parents have no obligation to repay the debt. Unless the parents are the debt guarantor or debtor in the loan, in this case, the parents need to continue to repay the loan.

Legal basis: Article 51 Rights of the issuing bank: (1) The issuing bank has the right to review the credit status of the applicant, obtain the personal data of the applicant, decide whether to issue a card to the applicant, and determine the overdraft limit of the credit card holder. (2) The issuing bank has the right of recourse against the overdraft of the cardholder. If the cardholder fails to return the overdraft within the prescribed time limit, the issuing bank has the right to apply for legal protection and investigate the legal responsibility of the cardholder or related parties according to law. (3) The issuing bank has the right to disqualify cardholders who do not meet the requirements of its articles of association, and may authorize relevant units to withdraw their bank cards. (four) the issuing bank shall not report the loss of the electronic wallet in the stored value card and ic card.