Legal analysis: the guarantor of credit card mainly bears a supplementary guarantee responsibility, and only when the credit card user cannot repay the credit card loan at maturity will he bear the responsibility. However, it should be noted that the guarantor should bear the guarantee responsibility, which is also a legal responsibility. The guarantor shall bear the responsibility in accordance with the provisions of the guarantee contract. As one of the main financial institutions in the market economy, banks. We should establish a long-term credit rating mechanism and an effective risk assessment mechanism within the scope of credit cards to minimize bank risks.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 7 Commercial banks should strictly examine the credit standing of borrowers when conducting credit business, so as to ensure the timely recovery of loans. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.

Article 8 Commercial banks shall abide by the relevant provisions of laws and administrative regulations when conducting business, and shall not harm the national interests and social public interests.

Article 9 Commercial banks shall follow the principle of fair competition in their business and shall not engage in unfair competition.