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问题	同事信用卡逾期紧急联系人留我电话法律问题
释义	法律分析: 在办理信用卡一般不需要有担保人，而银行在发现信用卡有风险，而持卡人本人又联系不上时，可以联系紧急联系人。法律依据: 《中华人民共和国刑法》第一百九十六条恶意透支信用卡，数额较大的，构成行用卡诈骗罪，依法要承担刑事责任。2.你只是信用卡逾期，尚不构成恶意透支。
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