You don't need an emergency contact to handle a large credit card. The credit report is mainly used to evaluate the applicant's credit status, including credit records, repayment records and liabilities. Emergency contacts are mainly in the process of using credit cards. If the cardholder has an accident or fails to repay the loan on time, the bank can contact the emergency contact person for verification or collection. Therefore, handling large credit cards does not require credit information from emergency contacts.