When the bank finds that the credit card is risky and can't contact the cardholder himself, it can contact the emergency contact. Handling a credit card is a contract between the cardholder and the bank. The contract is only valid for both parties, and the emergency contact person is not responsible.

The bank can only call the emergency contact to help find the card owner, but the repayment is the responsibility of the card owner and will not affect the credit of the emergency contact.