1. The legal responsibilities of the credit card guarantor are:

(1) General warranty responsibility. When the cardholder can't pay off the credit card debt, the general guarantee responsibility of the credit card guarantor needs to help the bank ask the cardholder for money;

(2) Joint and several liability. When the cardholder can't repay the loan on the repayment date, the bank can ask the guarantor to repay the debt.

2. Legal basis: Article 681st of the Civil Code of People's Republic of China (PRC).

A surety contract is a contract in which the surety and the creditor agree that the surety will perform the debt or bear the responsibility when the debtor fails to perform the due debt or the circumstances agreed by the parties occur.

Article 687

Where the parties agree in the suretyship contract that the surety shall bear the suretyship liability when the debtor fails to perform the debt, it is a general suretyship.

The guarantor of a general guarantee has the right to refuse to undertake the guarantee liability to the creditor before the main contract dispute is tried or arbitrated and the debtor's property is enforced according to law, except in one of the following circumstances:

(1) The debtor's whereabouts are unknown and there is no property available for execution;

(2) The people's court has accepted the bankruptcy case of the debtor;

(3) The creditor has evidence to prove that the debtor's property is insufficient to perform all debts or cannot perform debts;

(4) The Guarantor waives the rights stipulated in this clause in writing.

Chapter six hundred and eighty-eight

If the parties agree in the guarantee contract that the guarantor and the debtor shall be jointly and severally liable for the debt, it is a joint liability guarantee.

When the debtor of joint and several liability guarantee fails to perform the due debt or the circumstances agreed by the parties occur, the creditor may request the debtor to perform the debt, or request the guarantor to assume the guarantee liability within the scope of its guarantee.

Second, will the guarantor affect the credit investigation?

Under normal circumstances, the guarantor itself does not affect the credit investigation. If the guarantor fails to fulfill his legal obligations, it will affect the credit investigation and leave a bad record. If you are a guarantor to help others borrow money, the money will be considered as an invisible liability by the bank, and the relevant guarantee information will appear in the credit information. If the borrower is overdue, the law stipulates that the guarantor shall bear joint and several liability. In the future, if the borrower applies for mortgage, car loan or large loan, the bank will consider providing guarantee for the debt, and the loan success rate will be reduced.