1. Serious impact on credit history: If you don't answer the phone many times, the bank will think that you lack a sense of responsibility or have other problems, which will have a negative impact on credit history.

2. being sued or even detained: if you don't answer the call for a long time, the bank will call the police and the police will intervene in the investigation. If you are found to be a credit card fraud, you will be sued or even detained.