Legal analysis: It is not necessary to be responsible as the emergency contact person for a credit card. When applying for a credit card, you need to fill in the emergency contact information. But there are no strict rules regarding the identity of emergency contacts. In theory, it could be a parent, a colleague, or even someone you don't know. The card-issuing bank shall collect debts from the debtor himself and his guarantor, and shall not collect debts from third parties unrelated to the debt, and shall not use violence, coercion, intimidation, or abuse and other inappropriate collection behaviors.

Legal basis: "Bank Card Business Management Measures" Article 51 The rights of the card-issuing bank: (1) The card-issuing bank has the right to examine the applicant's credit status, obtain the applicant's personal information, and has the right to It has the right to decide whether to issue a card to the applicant and determine the overdraft limit of the credit card holder. (2) The card-issuing bank has the right to recover compensation for the cardholder’s overdraft. If the cardholder fails to repay the overdraft within the prescribed time limit, the card-issuing bank has the right to apply for legal protection and hold the cardholder or relevant parties legally responsible. (3) The card-issuing bank has the right to cancel the cardholder qualifications of cardholders who fail to comply with the provisions of its articles of association, and may authorize relevant units to take back their bank cards. (4) The card-issuing bank may not report the loss of electronic wallets in stored-value cards and IC cards.