Can the bank refuse to answer the overdue credit card collection?

Yes, after the credit card is overdue, the bank can call for it.

First of all, after the customer is overdue, the bank has the right to call for collection. According to the Contract Law of People's Republic of China (PRC), the two parties have already agreed on the relevant rights and obligations when signing the contract. As a credit card issuer, the bank has the right to ask the customer to repay the arrears according to the agreed time. When the customer fails to repay the loan within the time limit, the bank can call the customer to remind him to repay the loan in time.

Secondly, the purpose of bank collection is to urge customers to repay and strengthen communication with customers. When the bank collects money, it usually calls the customer to remind him of the repayment and understand the repayment situation of the customer. Telephone communication can effectively remind customers of the importance of repayment, explain the consequences of overdue and the possible interest and late fees, and provide customers with reasonable repayment arrangements.

Finally, if the customer refuses to answer the bank's collection call, it may lead to a series of adverse consequences. As the issuer of credit cards, banks will take a series of measures to recover the arrears. If the customer refuses to communicate with the bank or respond to the bank's call for collection, the bank may take more severe measures, such as blacklisting overdue customers, pursuing arrears through legal means, and entrusting a third-party agency for collection. Therefore, it is best for customers to respond to the bank's call, actively communicate with the bank and arrange repayment reasonably.

Extended data:

According to China's laws, banks can collect overdue credit card payments in various ways, including but not limited to telephone collection, SMS reminder, lawyer's letter, legal proceedings, and entrusting a third-party agency to collect them. If the customer refuses to cooperate or communicate with the bank, the bank can pursue its responsibility through legal means.

Summary:

After the credit card is overdue, the bank can call for collection. The purpose of bank collection is to urge customers to repay and strengthen communication with customers. Customers should actively answer the bank's call for collection, make reasonable arrangements for repayment, and avoid unnecessary troubles and consequences.

This answer does not provide accurate and detailed legal basis because it does not meet the above requirements.