If the transportation credit card is overdue, you can negotiate to repay the principal.

When you need to negotiate repayment after your transportation credit card expires, you should first communicate with bank staff in advance and explain the situation clearly. The bank will evaluate the individual situation and if it agrees to negotiate repayment, the borrower will need to re-sign a personalized repayment agreement to ensure the effective implementation of the repayment plan. The negotiated repayment procedures for overdue Bank of Communications credit cards are relatively cumbersome. You need to truthfully report the situation and communicate with bank staff in order to reach a repayment agreement acceptable to both parties. Although credit cards require on-time repayment, in special circumstances you can try to negotiate repayment with the bank after the due date to avoid unnecessary losses to both parties due to overdue payments.