If it was handled without your knowledge, that is to say, it was not signed and confirmed by you, then the subject does not have to worry and has no responsibility.

The credit card "contact person" is not a guarantor and is not jointly and severally liable for the credit card applicant's debts. If you think you have been seriously and maliciously harassed, you can also use legal means to protect your rights.

The main basis is: According to the "Guarantee Law of the People's Republic of China", the guarantor and the creditor should enter into a guarantee contract in writing. If the credit card applicant applies for a credit card, the guarantor is not present. Once the relevant guarantee terms are signed and confirmed, the guarantee contract will not take effect. The "contact person" of a commercial bank's credit card is only the content that the applicant is required to provide for the convenience of contacting the credit card applicant, and does not need to bear guarantee responsibility.

According to Article 68 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks", "The card-issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from third parties unrelated to the debt. Improper collection behavior such as violence, coercion, intimidation or abuse should be recorded, and the recording data should be kept for at least 2 years for future reference.

Therefore, if the card-issuing bank treats a third party other than the debtor and guarantor. If a person engages in improper collection, we can comprehensively define whether the bank's collection behavior is illegal based on the degree of harassment, the frequency, the content of the speech, etc. If there is evidence that the bank has made multiple malicious harassing phone calls, affecting the normal life of others, thirdly. People can report the case to the public security organs or resort to legal means.

The role of the credit card contact: used as an emergency contact when the applicant loses contact:

1. The credit card contact person does not bear guarantee responsibility for the credit card applied for by the applicant, but only contacts and informs the applicant.

2. If the credit card contact person does not have any overdraft related to the applicant, he does not need to bear legal responsibility. .

3. The bank rarely contacts the credit card contact person. Generally, the bank will notify the credit card contact person filled in by the card holder when the credit card holder has a credit card debt or overdue credit, hoping to notify the holder. The cardholder pays back the outstanding balance to avoid bad credit, late payment fees and interest. When applying for a credit card, in addition to a personal mobile phone number and fixed phone number, you also need to reserve a friend's mobile phone number and a relative's mobile phone number. The purpose of the number is: when the bank cannot contact the cardholder, the bank can contact the cardholder through the reserved mobile phone number of relatives and friends

So there is no responsibility for you. After all, you don’t spend the money. It’s just that in case the bank cannot contact the cardholder, it can contact you through the emergency contact.

1. There are two main conditions for credit card application:

1. Age requirement: 18-60 years old;

2. Have a stable job and source of income

2. Materials and certificates required for application:

1. Foreigners and people from Hong Kong, Macao and Taiwan also need to provide: Foreigner’s residence permit (the reason for residence must be employment) or employment permit for foreigners/Hong Kong, Macao and Taiwan;

Three . If you want to apply for a credit card with a relatively large limit, you need to provide proof of good financial strength.