yes.

when you apply for a credit card, you need to fill in an emergency contact person. Generally, you will contact the emergency contact person during the review stage or when the card owner fails to repay the loan within the time limit. This information must be provided. In order to control risks, banks need customers to leave contact information of relatives and friends.

The emergency contact person is the standby contact object of the bank. Usually, when the cardholder fails to pay back the card within the time limit, but the bank can't contact the cardholder, for example, if the cardholder's phone is stopped or his mobile phone number is changed but he doesn't go to the bank to update it, the bank will entrust a third-party collection agency to find the cardholder through the emergency contact person.

expanding the information

to become an "emergency contact", the impact:

1. Receiving a phone call

Under normal circumstances, most people will use their close relatives or friends as emergency contacts when applying for a credit card. But occasionally someone will scribble a mobile phone number at will, or write someone they don't know as an emergency contact.

Someone once encountered such a situation. A junior high school student who had not been in contact with each other for many years filled in the phone number of the client when making a loan, but after he became overdue, the lending institution could not contact him, so he asked the client about his personal situation through an "emergency contact".

since the parties are not aware of this situation, and there is no guarantee involved, they do not need to bear any legal responsibilities after checking and explaining the situation with the bank.

2. Being required to repay

If I know about this matter and have vouched for the cardholder to help the cardholder get the qualification to get the card or loan smoothly, in this case, the guarantor is obliged to be responsible for the overdue amount together with the cardholder. If the bank has been unable to contact the cardholder and refuses to repay as a guarantor, the bank may also file a lawsuit according to the terms of the contract.

Baidu Encyclopedia-Credit Card

Jinhua News Network-Be careful to be an emergency contact on someone else's credit card.