After the Bank of Communications credit card is overdue, you need to repay it as soon as possible to avoid adverse effects on your personal credit record. You can choose the following methods for repayment:

1. Full repayment with bank card: Use the bank card bound to the credit card to repay in full. Interest and late payment fees can be waived within the specified time and shortened. The retention time of overdue records is beneficial to personal credit records. For example, friends who were rejected due to low credit scores when applying for online loans can check their credit reports to find ways to improve their credit scores.

2. Repayment at bank counter or ATM machine: If you forget your credit card account number and password, you can go to the bank counter or self-service terminal to make repayment. You need to bring your ID card and other documents.

3. Online payment methods for repayment: Credit card repayments can be made through UnionPay online, Alipay, WeChat, etc., which is not only convenient and fast, but also allows you to get corresponding points.

In short, it is definitely not advisable to default on your credit card debt, because it will bring a huge additional burden and cause significant financial losses. Understanding the specific repayment methods and repaying the loan in full and on time will also play a positive role in protecting your personal credit record. When applying for an online loan, you can check your credit report and find ways to improve your credit score to avoid being told again that you have become a blacklisted account due to insufficient comprehensive score.