Whether it is fraud to not answer the phone and play disappear after borrowing money depends on whether the borrower has provided false certificates and guarantees when signing the loan contract. If the above situation exists, it will constitute fraud, otherwise it will not constitute fraud, which is a civil dispute.
 [Legal Basis]
 Article 266 of the Criminal Law states that anyone who swindles public or private property, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance and shall also, or shall only, be fined; If the amount is huge or if there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years and shall also be fined;
 If the amount is especially huge or if there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment and shall also be fined or sentenced to confiscation of property. Where this Law provides otherwise, such provisions shall prevail.