If your credit card is overdue and the bank calls you but you do not answer, the bank may take the following measures:

1. Freeze the credit card: The bank may freeze the credit card immediately your credit card account to prevent you from further overdrafting or using your credit limit.

2. Collection notice: The bank will send a collection notice via email, text message or letter to remind you to repay the overdue amount as soon as possible and instruct you on how to repay it.

3. Handling fees and liquidated damages: The bank may charge you a certain percentage of late payment fees or overdue handling fees during the overdue period according to the terms agreed in the credit card contract.

4. Negative impact: Overdue payments will have a negative impact on your personal credit record, which may lower your credit score and affect the possibility of applying for credit or loans in the future.

5. Outsourcing collection: If you fail to fulfill your repayment obligations for a long time, the bank may transfer the overdue account to a professional third-party collection agency for collection work.

To sum up, when the credit card is overdue and the bank does not answer the phone, the bank will freeze the credit card account, send a collection notice, and may charge handling fees and liquidated damages. At the same time, your personal credit record may be negatively affected and you may face the risk of outsourced collection.

Supplementary information: Overdue repayment is a situation where the credit card holder fails to repay the balance within the agreed time. In order to avoid the adverse consequences of overdue payments, it is recommended that you pay off your credit card balance in full before the agreed repayment date or repay the minimum payment amount on time to ensure good use of your credit card and good personal credit history. If you are unable to repay on time due to special circumstances, it is best to apply to the bank or card issuer for an extension or arrange other repayment methods in advance to avoid credit impacts caused by overdue payments. The important thing is to communicate with the bank in a timely manner and work with them to find a solution together.