If your credit card is overdue and the bank does not answer phone calls, there are several possible situations:

1. The collection work may intensify: the bank will remind the customer to repay through phone collection calls and understand Repayment status. If the customer does not answer the call, the bank may increase its collection efforts and adopt more severe collection methods, such as issuing collection letters and visiting customers to collect collections. This not only causes trouble to customers, but also increases their repayment burden.

2. Overdue records may be registered: The bank may register the customer's overdue records in the personal credit report during the collection process, which will have a negative impact on the customer's credit rating. A decline in your credit rating may block future applications for loans, credit cards, and other financial services, and may result in higher interest rates.

3. Legal disputes may occur: If the customer fails to repay the loan overdue and does not accept the bank's collection calls, the bank may take legal measures to recover the debt. The bank has the right to take legal action for overdue payments and resolve disputes through the courts. During legal proceedings, banks can enforce judgments through courts, such as freezing customers' bank accounts or wages, or even use other property to pay off debts.

To sum up, not answering bank calls may lead to the bank intensifying collection efforts, overdue records being registered, and possible legal disputes. In order to avoid unnecessary trouble and financial losses, it is recommended that customers answer the bank's phone calls promptly and communicate with the bank to actively resolve overdue repayment issues.

Extended information: According to Article 45 of the "Contract Law of the People's Republic of China", the parties have the right to freely agree on the content of the contract during the contract formation process, including liability for breach of contract. Therefore, in the case of overdue credit card repayments, banks have the right to take a series of recovery measures, including collection through phone calls, registering overdue records, and taking legal measures to recover arrears. If the performing debtor refuses to accept the creditor's reasonable request and the creditor is unable to get in touch or perform its contractual obligations, this may constitute a breach of contract and the creditor has the right to take reasonable measures to safeguard its legitimate rights and interests.