in general, credit card contacts are used as emergency contacts when the applicant loses contact. When a bank accepts a customer's application for a credit card business department, it will ask the customer to provide the information of the contact person, contact information and telephone number.

the credit card contact person does not assume the guarantee responsibility for the credit card applied by the applicant, but only contacts the notification relationship. If the credit card contact does not have associated overdraft behavior with the applicant, it is not necessary to bear legal responsibility. Banks rarely contact credit card contacts at ordinary times. Generally, they will notify the credit card contacts filled in by credit card holders when they have credit card arrears or overdue credit, hoping to inform the cardholders to return the arrears and avoid bad credit, late payment fees and interest.

when a customer applies for a credit card, the bank will ask the customer to fill in the contact information provided by the contact person. On the one hand, it will help the issuing bank to verify the authenticity of the applicant's information, the work situation of the company and the real situation of personal credit through the contact person. Only by understanding in various ways can the information filled in by the applicant be verified effectively. On the other hand, once the customer's credit card is abnormal, overdue and unable to contact the cardholder, the bank can inform the cardholder through the reserved contact person to avoid that some information to the cardholder cannot be conveyed.

every bank has a real-time monitoring system in the background of the bank for the daily transactions of credit cards. When abnormal transactions of credit cards are found, it will give an early warning and contact the cardholders or emergency contacts in time, with the purpose of preventing illegal use of cards or stealing abnormal transactions and protecting the interests of cardholders. If abnormal transactions are found, such as large-sum, frequent or off-site card swiping, it may be suspected of stealing. The background risk control includes transaction verification for cardholders, and once illegal card swiping is found, card sealing measures will be taken to avoid expanding losses.

Legal basis

Article 177-1 of the Criminal Law of the People's Republic of China

The crime of obstructing credit card management is under any of the following circumstances. If it hinders credit card management, it shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be fined not less than 1, yuan but not more than 1, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than 1 years, and shall also be fined not less than 2, yuan but not more than 2, yuan:

(1) Holding and transporting a large number of counterfeit credit cards knowingly, or holding and transporting a blank credit card knowingly;

(2) illegally holding other people's credit cards in a large number;

(3) fraudulently obtaining a credit card by using false identification;

(4) selling, buying or providing others with forged credit cards or obtaining credit cards by fraudulent identification.

crime of stealing, buying or illegally providing credit card information. Whoever steals, buys or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph.

any employee of a bank or other financial institution who commits the crime mentioned in the second paragraph by taking advantage of his position shall be given a heavier punishment.