According to the inquiry of China Travel Service, it doesn't matter. The emergency contact is different from the guarantor, and there is no joint liability, which will not affect the credit investigation. However, overdue will have an impact on the cardholder's credit information. Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks: Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the repayment ability of the cardholder and the cardholder is still willing to repay, the issuing bank may negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.