Legal subjectivity:

1. Whether it is necessary depends on the conditions. People with normal credit and no problem do not need a guarantor to apply for a credit card. People with average credit records often ask the handler to provide one or two guarantors when applying for a credit card. If the credit card holder cannot repay the amount in the credit card in time in the future, the guarantor will need to bear responsibility. 2. If the guarantor of a general guarantee and the creditor do not agree on a guarantee period, the guarantee period shall be six months from the expiration of the debt performance period. During the guarantee period stipulated in the contract and the guarantee period stipulated in the preceding paragraph, if the creditor has not filed a lawsuit against the debtor or applied for arbitration, the guarantor shall be exempted from the guarantee liability; if the creditor has filed a lawsuit or applied for arbitration, the provisions of "interruption of the statute of limitations" shall apply during the guarantee period.