Here's the situation: my Ping An credit card is overdue. What happens if I don't answer the phone? Will I call my friend?

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

1. Frequent collection calls: the bank will contact you through collection calls to remind you of repayment and try to communicate with you to solve overdue problems. If you don't answer the phone, the bank may remind you to pay back by increasing the frequency of collection.

2. Increase SMS notification: In addition to telephone collection, the bank may also communicate with you by SMS notification to remind you of repayment. If you don't answer the phone continuously, the bank may increase the number of SMS notifications to ensure your repayment 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 friends or family provided when you apply for a credit card. However, according to the relevant regulations of our country, banks should not disturb your communication too much.

To sum up, if you don't answer the phone, the bank may increase the collection efforts and remind you to repay by SMS. Contacting your friends or family is decided according to the specific circumstances, but banks should abide by the relevant provisions on privacy protection.

Extended data:

According to China's Regulations on the Administration of Credit Information Industry and the Law of People's Republic of China (PRC) on the Protection of Consumer Rights and Interests, banks must abide by certain restrictions and regulations in the process of collection. For example, bank collection should follow the principle of fairness and legality, and consumers should not be harassed, intimidated or insulted in any form. At the same time, banks should also protect consumers' privacy when contacting relevant parties, and should not disclose personal information excessively.

The above is about the possibility that Ping An Credit Card fails to answer the phone within the time limit. I hope I can help you. For more information, you are advised to consult a bank or relevant legal professionals.