For overdue credit cards, banks usually collect collections over the phone. In this case, the bank's collection calls generally have to be answered. The following is a detailed explanation of this issue:

1. Legal provisions: China has relevant legal provisions that require banks to collect overdue credit cards and contact cardholders by phone and other means to urge them to repay their debts. payment. Banks are obliged to actively pursue overdue payments and ensure the normal operation of the credit card market.

2. Protect the security of funds: The purpose of bank collection calls is to protect the interests of the bank and cardholders. Overdue credit cards may bring a series of risks, such as a surge in funds, the accumulation of overdue interest, etc. Through collection calls, banks can remind cardholders to repay in time to avoid subsequent risks and ensure the safety of funds.

3. The importance of credit record: Credit record is very important to an individual's financial life. It not only affects the approval of credit card limits and loans, but is also related to an individual's credit rating. Overdue repayment will seriously affect the credit record and limit the individual's future financial activities. Through collection calls, banks hope to remind cardholders to pay their bills in a timely manner and maintain a good credit record.

To sum up, in the case of overdue credit cards, bank collection calls generally cannot be ignored. It is a way for banks to fulfill their responsibilities, aiming to protect the interests of banks and cardholders, ensure the stability of the financial market and improve personal credit records. Cardholders should understand and actively respond to the bank's collection work, proactively cooperate with the bank to resolve overdue issues, and maintain their own credit and financial security.

Extended information: Overdue repayment will not only bring legal disputes, but also have a significant impact on personal credit. According to data from the Personal Credit Information Center of the People's Bank of China, credit card records that are one month overdue will be included in the personal credit report, and in serious cases, they will be included in the list of "untrustworthy persons subject to enforcement". This will bring great inconvenience to cardholders' current and future financial activities, such as they may no longer be able to obtain credit card limits, loan interest rates will increase, etc. Therefore, it is very important to pay off overdue credit card payments in a timely manner to avoid future financial risks and damage to your credit history.