if the cardholder finds that the credit card of Bank of Communications is overdue, he/she is advised to pay back the arrears in time. Bank of Communications provides credit card users with a grace period for repayment. As long as the cardholder pays off the current bill amount within 3 days after the final repayment date, the bank will generally regard it as normal repayment, and will not report it to the credit information center, nor will it have adverse effects on the cardholder. However, after the overdue time of the credit card exceeds the grace period for repayment, Bank of Communications will report the personal overdue record to the Credit Information Center and charge a penalty interest on a daily basis for the repayment part, with a daily interest rate of five ten thousandths.