My friend didn't pay the loan. I got a text message.

If your friend maliciously defaults on the credit card loan, the information will be sent to your mobile phone, because you are an emergency contact. Actually, I think your friend should know something like this. First, the bank will contact him first. If you can't contact or can't contact, contact the emergency contact person. But if you are a friend, you should tell him, whether he knows it or not. As a friend, you should try your best to tell him. If defaulting on credit card loans is a very serious behavior, it will have a great impact on his future credit information. In the future, buying a house and buying a car by stages will not work, or tell friends to pay back the arrears as soon as possible.