When a Bank of Communications credit card is overdue, receiving a call from a Shanghai number starting with 021 is a routine collection measure taken by the bank. There are actually no hard and fast rules about whether to answer the phone. Answering can help you understand the specific situation and solve it as soon as possible. Failure to answer the phone may cause the bank to make frequent calls until the loan is repaid. However, late repayments have a serious impact on personal credit: credit scores decline, which may affect future loan applications, and the longer the overdue period, the greater the amount of repayment required.

For overdue processing, it is crucial to proactively contact and communicate with the bank. If your credit record is bad due to problems such as repayment or annual fees, as long as you explain the situation promptly and take remedial measures, the bank will usually help repair it within 90 days. In order to maintain good credit, it is recommended to make on-time repayments within the next two years to avoid new bad records. The original negative credit records will be overwritten by new good records over time.

If the overdue records are more than 90 days old and enter the personal credit reporting system, it is not easy to eliminate the bad records. Normally, records will disappear automatically after 5 years, or there will be an opportunity to apply for manual erasure every two years, but the corresponding conditions must be met and the application submitted. Overall, dealing with overdue credit cards in a timely manner is key to maintaining good credit.