First of all, it depends on whether the guarantee agreed upon when the guarantor signs the guarantee contract with the issuing bank is joint and several liability guarantee or general liability guarantee. If there is no agreement or unclear agreement on the method of guarantee, the guarantor shall bear the responsibility according to joint and several liability.

If it is a joint and several liability guarantee, the guarantor shall bear the joint and several liability for repayment. If it is a general guarantee liability guarantee, when the cardholder fails to repay the debt, the guarantor shall bear the responsibility.