Failure to repay your credit card overdue and refusing to answer the bank’s collection calls will have the following consequences. First, the bank may strengthen other collection methods, such as sending collection text messages, emails or letters, or pursuing collection through third-party lawyers or collection companies. Secondly, banks may report overdue records to personal credit reporting agencies, which will have a negative impact on personal credit records. Finally, banks have the right to take legal measures to recover overdue amounts, such as enforcement through litigation or court judgments, and may even restrict an individual's loan and credit card applications.

1. Banks strengthen debt collection methods: Banks will try to contact debtors through other methods, such as reminder text messages, emails or letters, to urge debtors to repay. These reminders can become frequent and insistent, adding to the pressure to repay.

2. Reporting overdue records: Banks have the right to report unpaid amounts to personal credit reporting agencies, which will have a negative impact on the credit records of overdue individuals. This will cause an individual's credit rating to drop, affecting future credit applications and more favorable interest rate terms.

3. Legal recovery rights: As a creditor, banks have the right to take legal measures to recover overdue amounts. The bank may intervene through lawyers or collection companies and take legal procedures such as litigation, which may eventually lead to the overdue person being forced to perform repayment obligations.

Summary: Overdue credit card payments and refusal to answer the bank’s collection calls will have adverse consequences. Banks may strengthen other collection methods, report overdue records to personal credit reporting agencies, and take legal measures to recover arrears. To avoid these consequences, it is recommended to communicate with the bank in a timely manner and seek repayment methods or solutions to postpone repayment.

Extended information: According to relevant Chinese laws and regulations, overdue credit card repayment is a breach of contract, and banks, as creditors, have the right to take legal measures to protect their own rights and interests. Personal credit reporting agencies collect and record personal credit information in accordance with the provisions of the "Personal Credit Information Management Measures" and provide it to the outside world through credit reports. These legal systems together constitute the legality of collection actions and the consequences that overdue persons may face.

The above are the answers and explanations to the consequences of refusing to answer the bank’s collection calls for overdue credit cards. Hope this helps.