Legal analysis: The guarantor of a credit card mainly assumes a supplementary guarantee liability. He will only assume liability when the credit card user is unable to repay the credit card loan when it expires.

Legal basis: Article 386 of the "People's Republic of China and Civil Code". If the debtor fails to perform due debts or the circumstances agreed by the parties to realize the security rights occur, the security right holder shall, in accordance with the law, Have priority in receiving compensation for the guaranteed property, unless otherwise provided by law.