If the cardholder fails to repay the credit card, the guarantor is responsible for repayment and has the right to claim compensation from the debtor after repayment. If you refuse to repay, you will be sued by the bank. The bank can sue the guarantor and the debtor. If you refuse to repay after the court's decision, you will be blacklisted, that is, the person who has broken faith will be executed.

According to Article 89 of the General Principles of the People's Republic of China and the Civil Law of the People's Republic of China, in accordance with the provisions of the law or in accordance with the agreement of the parties, the following methods can be used to guarantee the performance of the debt:

1. The guarantor guarantees the creditor that the debtor will perform the debt, and if the debtor fails to perform the debt, the guarantor will perform it or bear joint liability according to the agreement; The guarantor has the right to recover from the debtor after performing the debt.

2. The debtor or a third party may provide certain property as collateral. If the debtor fails to perform the debt, the creditor has the right to discount the mortgaged property or give priority to repayment with the price of selling the mortgaged property in accordance with the law.

3. One party can pay the deposit to the other party within the scope prescribed by law. After the debtor performs the debt, the deposit shall be used as the price or recovered. If the party paying the deposit fails to perform the debt, it has no right to demand the return of the deposit; If the party accepting the deposit fails to perform the debt, it shall return the deposit twice.

4. As agreed in the contract, if one party occupies the other party's property and the other party fails to pay the payable amount in accordance with the contract for more than the agreed time limit, the possessor has the right to retain the property, and the retained property will be repaid at a discount or in priority with the price of selling the property according to the law.

Extended information:

Several Provisions on Publishing the Information of the List of Executed Persons in Bad Faith Article 1 If the executed person fails to perform the obligations specified in the effective legal documents and has any of the following circumstances, the people's court shall include him in the list of executed persons in bad faith and impose credit punishment on him according to law:

(1) He has the ability to perform and refuses to perform the effective law.

(2) obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) violating the property reporting system;

(5) violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons.

Baidu Encyclopedia-General Principles of Chinese People and Civil Law