The emergency contact will be affected by the following aspects: 1. Being harassed by phone calls: If the cardholder is overdue and has lost contact, then the emergency contact will become the bank’s key to finding the cardholder. At the breakthrough point, the bank will keep calling the contact person, hoping to obtain the latest updates of the cardholder through the online contact, and at the same time, let the emergency contact urge the cardholder to repay. However, these contacts may not know the cardholder at all. They are stuck, or they are not familiar with them at all.

Netizen Xiao Lin was harassed by phone calls from his bank because he became an emergency contact for no apparent reason. Xiao Lin's classmate filled her in as an emergency contact when applying for a credit card. Then the classmate lost contact after the expiration date. The bank kept calling Xiao Lin and asked her to help find someone, but Xiao Lin couldn't get in touch and explained the situation to the bank. I was still being harassed by phone calls, so I had no choice but to change my phone number. 2. You may be required to repay: Some people are aware that the cardholder has listed them as emergency contacts, and provide guarantees when the cardholder applies for the card. If the cardholder loses contact after the expiration date, the bank will Call him directly and ask to repay the card holder. If you don't repay, you will be sued by the bank, which may even affect your credit. You may be blocked from applying for credit cards and loans in the future.

Legal basis:

"People's Republic of China and Civil Code"

Article 673 The borrower fails to use the loan in accordance with the agreed purpose In the case of borrowing, the lender may stop disbursing the loan, withdraw the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant national regulations.