Legal analysis: if the cardholder fails to repay the credit card, the guarantor shall bear the repayment responsibility and have the right to recover from the debtor after repayment. If you refuse to repay the loan, you will be sued by the bank. Banks can sue guarantors and debtors. If you refuse to repay the loan after the court's decision, you will be blacklisted, that is, those who break their promises will be executed.

Legal Basis: Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith Article 1 If the executed person fails to fulfill the obligations specified in the effective legal documents and has any of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and punish him with credit according to law:

(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;

(2) Obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons.