CITIC Bank loan emergency contact does not need to provide credit reference and ID card. A loan emergency contact usually refers to a person the bank can contact if the borrower is unable to repay or has other problems, and his role is similar to that of a guarantor. Under normal circumstances, the CITIC Bank loan emergency contact does not need to provide a credit report and ID card, as long as you fill in a correct and valid mobile phone number. Because the emergency contact person only plays the role of being responsible for contacting the borrower.