If your Ping An credit card is overdue and you choose not to answer the phone, the following situations may occur:

1. Frequent collection calls: The bank will make collection calls through Contact you to remind you to repay, and communicate with you to resolve overdue issues as much as possible. If you don't answer the phone, the bank may remind you to repay the loan by increasing the frequency of collections.

2. Increased SMS notifications: In addition to phone collection, the bank may also communicate with you through SMS notifications to remind you to repay. If you do not answer the phone continuously, the bank may increase the number of SMS notifications to ensure that you can repay the loan as soon as possible.

3. Consider contacting your friends or family: In some cases, the bank may try to contact your emergency contact, such as the contact information of a friend or family member that you provided when applying for a credit card. However, according to Chinese regulations, banks cannot disturb your contacts unduly.

To sum up, if you don’t answer the phone, the bank may increase its collection efforts and remind you to repay through SMS notifications. Contacting your friends or family is decided on a case-by-case basis, but banks are required to comply with relevant privacy protection regulations.

Extended information:

According to China's "Regulations on the Administration of the Credit Reporting Industry" and the "Consumer Rights and Interests Protection Law of the People's Republic of China", banks must abide by the following regulations during the collection process: Certain restrictions and regulations. For example, bank collections should follow the principles of fairness and legality, and should not harass, intimidate or insult consumers in any form. At the same time, banks should also protect consumers' privacy rights when contacting relevant parties and must not excessively disclose personal information.

The above are the possible situations in which Ping An credit card is overdue and the phone is not answered. I hope it can be helpful to you. For further information on related issues, it is recommended that you consult your bank or relevant legal professionals.