Being the emergency contact for a credit card is not necessarily responsible. When applying for a credit card, you need to fill in the emergency contact information. But there are no strict rules regarding the identity of emergency contacts. In theory, it could be a parent, a colleague, or even someone you don't know. The card-issuing bank shall collect debts from the debtor himself and his guarantor, and shall not collect debts from third parties unrelated to the debt, and shall not use violence, coercion, intimidation, or abuse and other inappropriate collection behaviors.

Is the credit card emergency contact responsible?

As mentioned earlier, if the cardholder repays the card overdue and the bank cannot get in touch with him, he or she will often call the emergency contact number filled in by the cardholder when applying. Although it is a small matter for the emergency contact to receive a call, he may still be responsible for the cardholder's overdue payment, but the specific situation still needs to be analyzed in detail.

1. If the cardholder is filled in as an emergency contact without knowing it, and you don’t know the cardholder yet, then you don’t need to pay for his overdue behavior. You only need to contact the bank. Just say you don't know this person. The purpose of the bank's call is not to ask you to help him repay the loan, but to convey the message to the cardholder to repay the loan through you.

2. If you know this, and personally guarantee the cardholder, so that the cardholder can successfully apply for the card. In this case, if the cardholder is overdue, the bank will have to repay you as the guarantor, so you are responsible, and it will be useless even if you file a lawsuit with the bank.

Legal basis: "Bank Card Business Management Measures"

Article 51 The rights of the card-issuing bank: (1) The card-issuing bank has the right to review the applicant's credit status and request applications The company has the right to decide whether to issue a card to the applicant and determine the overdraft limit of the credit card holder. (2) The card-issuing bank has the right to recover compensation for the cardholder’s overdraft. If the cardholder fails to repay the overdraft within the prescribed time limit, the card-issuing bank has the right to apply for legal protection and hold the cardholder or relevant parties legally responsible. (3) The card-issuing bank has the right to cancel the cardholder qualifications of cardholders who fail to comply with the provisions of its articles of association, and may authorize relevant units to take back their bank cards. (4) The card-issuing bank may not report the loss of electronic wallets in stored-value cards and IC cards.