The possible consequence of not answering overdue credit card calls is that the bank may take some measures to collect the overdue amount. Specifically, here are some possible consequences:

First, damage to your credit history. Overdue credit cards will affect an individual's credit record, causing a decline in the individual's credit score. Credit score is an important reference indicator for banks and other financial institutions to evaluate an individual's credit status. A low credit score will affect an individual's trust in future financial transactions such as applying for loans and house rentals.

Second, overdue fees increase. The bank will calculate overdue fees based on the number of days the credit card is overdue and the overdue amount. Overdue fees are usually calculated in the form of daily overdue interest. As the overdue time increases, fees will gradually accumulate, further increasing the individual's repayment burden.

Third, overdue penalties. Banks may impose penalties on overdue credit cards. Specific penalties may include suspending the use of credit cards, limiting credit limits, or even canceling credit card qualifications. This will cause inconvenience to individuals’ daily lives and consumption.

Why don’t banks proactively call to remind you that your credit card is overdue? There are several main reasons:

First, call privacy protection. Banks must strictly abide by relevant laws and regulations and protect customers' personal information and privacy. If the customer needs to be notified of an overdue credit card, the bank will communicate via SMS, email or letter.

Secondly, efficiency and cost considerations. The bank has many customers, and it would require a lot of manpower and material resources to call and remind every overdue customer. In contrast, using electronic means for reminders is more efficient and enables large numbers of customers to be notified quickly.

Finally, the encouragement of self-service management. The bank hopes to remind customers to pay attention to their credit card repayment status through customer self-service management. Customers can check their credit card account status at any time through mobile banking or online banking to avoid overdue payments and increased fees.

In summary, the possible consequences of not answering overdue credit card calls include damage to your credit history, increased overdue fees, and overdue penalties. The reason why banks do not call to remind customers of overdue credit cards is to protect customers' phone calls privacy, improve work efficiency and encourage customers to manage themselves. When facing an overdue credit card situation, it is recommended to contact the bank promptly to inquire about repayment matters and actively resolve the overdue problem.