After the credit card expires, you can modify the emergency contact. You can call the number behind your credit card, and then ask the human customer service to help you modify the emergency contact. Then tell the human customer service the name and phone number of the emergency contact person that needs to be modified.

Under normal circumstances, banks will not contact emergency contacts. Only when your credit card is overdue for a long time. Then at this time, the bank will contact your two emergency contacts to ask about your recent situation. However, the bank will not disclose your debt information because it belongs to the cardholder's privacy. If the emergency contact asks about the cardholder's arrears, the bank will inform him.

To sum up, the emergency contacts of credit cards usually get in touch through the emergency contacts when the cardholder is seriously overdue and the bank has repeatedly urged the cardholder to ignore it or even can't contact the cardholder. Handling a credit card is a contract between the cardholder and the bank. You can contact the emergency contact, and the emergency contact is not responsible.

Legal basis:

The Supreme People's Procuratorate's Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management.

Article 6

If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being twice collected by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.