when applying for a credit card, it is indeed required to fill in an emergency contact person, which can be used in case of bank emergency and the cardholder can't be contacted. Usually, relatives or close friends can be left. At the same time, it is possible for the bank to contact this contact person to confirm whether it knows the applicant. If there is a problem after verification, the approval may be rejected.

For banks, the role of emergency contact is not so important. As long as the cardholder uses the card well and does not pay back the money, he will generally not call the contact. Even in the process of checking the credit card, the contact person will not be called to confirm the identity of the card holder. The main reason is to avoid causing trouble to the emergency contact person.

After all, many people are disgusted with being the emergency contact of others, especially for fear of being implicated and harassed by others, so they are unwilling to be the emergency contact, so many people are "being the emergency contact" without knowing it.

However, it doesn't matter much to be contacted by the emergency person. Even if the credit card owner has a problem, the emergency contact person is not responsible and will not be implicated by the other party. The bank only wants to know the situation of the card owner from the emergency person, and hopes to convey the card owner to contact the bank for repayment as soon as possible.

But what is certain is that if the credit card owner doesn't pay back the money, the emergency contact will often be harassed by the bank, but there is nothing he can do. After all, the emergency contact can only be modified by the card owner. If you don't want to be harassed, you can call and complain. If the complaint is fruitless, you may have to return the number.

does credit card modification affect the card?

It is understood that after the credit card application is submitted, it is generally not allowed to modify personal basic information, even if it is only the contact person, except for modifying the receiving address and changing the mobile phone number.

For this reason, it is really necessary to change the contact person. It is recommended to wait until the credit card is approved. Under normal circumstances, the bank will not call the contact person for verification when approving the credit card, so it doesn't matter even if the contact number is wrong. The bank will only call the contact person to ask him to convey the bank's appeal to the cardholder after the credit card is issued and the applicant fails to get on the card within the time limit.