If you owe more than 90,000 yuan to the Bank of Communications credit card, the relevant processing and related legal responsibilities are as follows:

If the credit card is not repaid, it will be frozen for three months overdue and you will not be prosecuted. If it takes more than half a year, you will be prosecuted.

Banks mainly use the following five methods for credit card collection:

First, SMS collection. It is mainly aimed at the overdue repayment behavior of early cardholders, which is generally 7 to 15 days overdue. SMS mainly serves as a reminder.

Second, phone collection. Mainly for overdue behavior that exceeds 30 days and lasts for more than one billing period, telephone reminders are provided for repayment.

Third, door-to-door collection. Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder's residence or work address to collect repayment.

Fourth, court prosecution. Mainly if the card is overdue for more than six months, the bank will apply to the court and require the cardholder to sue for repayment.

Fifth, outsource collection. Mainly for overdue funds of more than one year, the bank will package the overdue funds and give them at a discount to an outsourced collection company, which will be responsible for collecting overdue debts.