If a user holding a Ping An credit card does not answer the collection call after the expiration date, he or she will be considered out of contact and may face the following situations:

1. The collection agency will continue to try to contact: Ping An Credit Card Collection Agency will continue to try to contact customers, remind them to repay through phone calls, text messages, etc., and understand the repayment plan. Even if the user does not answer the collection call, the collection agency may leave a voice message or send a text message reminder to ensure that the user is informed of the overdue situation.

2. Damage to credit record: The cardholder is considered out of contact, which may lead to damage to credit record. Late payments will be reported to credit bureaus and will have a negative impact on an individual's credit history. This can harm an individual's credit rating, limiting future borrowing and credit applications.

3. Increase in overdue fees: Late repayment of Ping An Credit Card will incur overdue fees and penalty interest. If the user does not communicate with the collection agency or take repayment measures, overdue fees and penalty interest will continue to accumulate. This will increase the burden on users and lead to an increase in repayment amounts.

4. Possible legal disputes: Ping An Credit Card is a contractual relationship, and late repayment is a violation of the contract, and the cardholder may face legal risks. Collection agencies have the right to take legal measures to recover arrears, including suing users for repayment. Therefore, losing contact may expose users to further legal disputes and legal fees.

In short, if users who hold Ping An credit cards do not answer collection calls after the due date, they will be considered out of contact and may face consequences such as continued contact, damage to their credit records, increased overdue fees, and potential legal risks. .

Extended information: When using a credit card, cardholders should abide by the repayment period and amount agreed in the credit card agreement to avoid overdue situations. If overdue occurs, it is recommended to communicate with the bank or collection agency in a timely manner, formulate a reasonable repayment plan and perform it with all your strength to avoid damage to your credit record and reduce risks.

Please note: The above answers are for reference only. The specific situation may vary due to personal credit history, bank policies and other factors. It is recommended that cardholders contact the relevant banks or collection agencies in a timely manner when facing overdue issues. Concrete solutions and suggestions.