Many friends obviously don't have credit cards, but they often get calls from banks asking if they know anyone, and so on. This is actually because someone else filled in your phone number in the emergency contact column when handling the card. Once the bank can't contact the cardholder, it will call the emergency contact. So, what are the consequences of being an emergency contact for someone else's credit card? Will you be responsible? Let's take a look together.
Is the credit card emergency contact responsible?
As mentioned above, if the cardholder fails to repay the loan, but the bank can't get in touch with him, he will often call the emergency contact number filled in by the cardholder when applying. Although it is a trivial matter that the emergency contact person receives the phone call, he may still be responsible for the overdue of the cardholder, but it is still necessary to analyze the specific situation.
1. If the cardholder unwittingly fills in the emergency contact and you don't know this cardholder, then you don't need to pay for the overdue behavior. You just have to tell the bank that you don't know this man. The purpose of the bank call is not to ask you to help him repay, but to ask the cardholder to repay through you.
2. If you know this and personally vouch for the cardholder, the cardholder can get off the card smoothly. In this case, if the cardholder is overdue, as a guarantor, the bank will repay you, so you are responsible, even if you go to court with the bank, it is useless.
The above is "Is the credit card emergency contact responsible?" I hope it helps you. In a word, you don't guarantee the credit card holder, and the bank doesn't have to bear any responsibility in case of emergency contact. If you think the bank is always harassing you by phone, just say that you don't know this person and ask the bank to stop calling.
Will credit card emergency contacts affect credit reporting? Is there joint and several liability?
Nowadays, when you apply for a credit card, you need to fill in the credit card emergency contact. Many people don't know much about this, and they are worried that it will affect others. Will credit card emergency contacts affect credit reporting? Does the credit card emergency contact bear joint and several liability? Let's take a look.
Credit card emergency contact
Credit card emergency contacts are only reserved contact information when handling credit cards. If the credit card applicant loses contact after the deadline, the bank may call an emergency contact.
However, the credit card emergency contact is not a guarantor, and whether the applicant is overdue will not have a negative impact on the credit information of the emergency contact. However, if the guarantor is in loans overdue, the credit information of the guarantor will be affected.
In addition, the credit card emergency contact person is not jointly and severally liable, because it is only a way to contact the credit card holder. Pay attention to this information when applying for a credit card.
Credit card emergency contact, what is the responsibility as an emergency contact when the bank has reported the case?
Credit card emergency contact, what is the responsibility as an emergency contact when the bank has reported the case? Many friends obviously don't have credit cards, but they often get calls from banks asking if they know anyone, and so on. This is actually because someone else filled in your phone number in the emergency contact column when handling the card. Once the bank can't contact the cardholder, it will call the emergency contact. So, what are the consequences of being an emergency contact for someone else's credit card? Will you be responsible? Let's take a look with Xi Cai Jun.
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Is the credit card emergency contact responsible?
As mentioned above, if the cardholder fails to repay the loan, but the bank can't get in touch with him, he will often call the emergency contact number filled in by the cardholder when applying. Although it is a trivial matter that the emergency contact person receives the phone call, he may still be responsible for the overdue of the cardholder, but it is still necessary to analyze the specific situation.
1. If the cardholder unwittingly fills in the emergency contact and you don't know this cardholder, then you don't need to pay for the overdue behavior. You just have to tell the bank that you don't know this man. The purpose of the bank call is not to ask you to help him repay, but to ask the cardholder to repay through you.
2. If you know this and personally vouch for the cardholder, the cardholder can get off the card smoothly. In this case, if the cardholder is overdue, as a guarantor, the bank will repay you, so you are responsible, even if you go to court with the bank, it is useless.
The above is "Is the credit card emergency contact responsible?" I hope it helps you. In a word, you don't guarantee the credit card holder, and the bank doesn't have to bear any responsibility in case of emergency contact. If you think the bank is always harassing you by phone, just say that you don't know this person and ask the bank to stop calling.
Legal liability of credit card emergency contact person
An emergency contact is different from a guarantor. Generally, there is no need to have a guarantor when handling a credit card, and it will not bear the corresponding risks and responsibilities, including when the cardholder's credit card is overdue or even lost, the bank will only contact the emergency contact person, or even not. Because handling a credit card is a contract between the cardholder and the bank, the contract is only valid for both parties. The telephone numbers of some emergency contacts are not true, or their contact information has changed.
If the applicant cannot be contacted for overdue repayment, the emergency contact person is not responsible for the applicant's overdue repayment. If there is no guarantee involved, the emergency contact person does not need to bear other responsibilities.
legal ground
Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it after two reminders from the issuing bank for more than three months, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.
In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:
(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;
(two) squandering overdraft funds, unable to return;
(3) Escaping after overdraft, changing contact information and avoiding bank collection;
(4) evading or transferring funds, concealing property or evading repayment;
(five) the use of overdraft funds for illegal and criminal activities;
(six) other acts of illegal possession of funds and refusal to return them.
Malicious overdraft should be investigated for criminal responsibility. However, if all the overdraft interest has been repaid after the public security organ files a case and before the people's judgment is published, it may be given a lighter punishment, and if the circumstances are minor, it may be exempted from punishment.
If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
What will the bank do if you owe your credit card and can't contact anyone? Is the emergency contact responsible?
An emergency contact is someone who can ask where you are when the bank can't contact you.
The emergency contact is not a guarantor and has no obligation to cooperate with the bank. So the bank can only contact you, but can't let you find that person, let alone let you pay back the money.
And it is stipulated that emergency contacts can't contact you more than three times. If the bank contacts you frequently, you can go to the CBRC to complain that the bank is harassing you.
I haven't applied for a credit card, and I have nothing to spend or borrow!
On this issue, others can write an emergency contact without your consent. The emergency contact is not a guarantor and does not have to bear any responsibility. But the bank will contact you in various ways, such as calling and texting frequently.
I can call you at most. If I call too much, I can sue him for harassment.
The bank can't contact anyone. Usually call the emergency contact to ask about the situation. The emergency contact only serves as a link to contact him and does not need to bear any legal responsibility. Because the emergency contact is not a guarantor, the guarantor does not need to bear any responsibility.
It seems that someone needs a guarantee to apply for a bank credit card. If you use the money owed by the cardholder to the bank, the bank must ask the guarantor for it.
Don't worry, there is no need to take responsibility. He just wants to know about each other. He has no right to collect money from a third party.
Just harassing the contact, not taking responsibility. Will eventually be included in the list of dishonesty.
This concludes the introduction of credit card emergency contact responsibility.