The credit card itself has no guarantor, but is just an emergency contact, which is convenient to inform the applicant when the applicant fails to repay the loan in time and can not be contacted.

If it is another guarantor, it should bear the responsibility and joint liability according to the guarantee contract, and the guarantee responsibility is also a legal responsibility.

From the guarantor's point of view, as a unilateral contract, the guarantee should be signed carefully. In addition to a comprehensive understanding of the credit status of the guarantor, the undertaking of the guarantee responsibility should be stipulated in detail according to the relevant provisions of the Guarantee Law and the Contract Law to reduce disputes.