Yes.

1. There may be many reasons why bank collection calls are not answered, such as busy bank staff, technical failures, etc. So it’s not because banks allow overdue customers to not answer the phone that they can’t collect.

2. Customers with overdue credit cards still have repayment obligations. When banks collect overdue loans, they will contact customers through different channels and methods, such as phone calls, text messages, emails, etc. Banks may use a variety of means during the collection process, including communication, reminders, warnings, etc. However, there is no clear legal requirement that banks must collect debts over the phone, so the failure of banks to contact customers by phone does not mean that the debt collection actions are invalid.

3. Banks will choose appropriate collection methods based on their own collection strategies and capabilities, and telephone collection is only one of them. Banks may take other measures if overdue customers do not answer the phone, such as sending collection text messages, overdue notices, legal prosecution, etc., to force customers to repay.

In short, when banks collect overdue credit card payments, they are not limited to telephone collections, but instead consider different collection methods comprehensively. Overdue customers should be aware of their repayment obligations and proactively contact the bank to avoid unnecessary disputes and legal risks.

Extended information:

There are certain procedures and regulations for credit card overdue collection, including the implementation of early warnings and reminders, issuing collection notices, and possible litigation. For banks, collecting overdue accounts is very important to maintain their credit systems and risk control. Therefore, banks will take certain measures to promote repayment from overdue customers and protect their own rights and interests.