5,000 yuan of Bank of Communications is overdue for three months, so you have to go through the business process. According to relevant search, within 7- 15 days after the credit card of Bank of Communications is overdue, the bank will send a short message to remind you to make a short message collection. If it is overdue for more than 30 days, the bank will call for collection. If it is overdue for more than 90 days, the bank will send business personnel to the door to handle the collection business, and the amount is more than 5,000 yuan. If it is overdue for more than 90 days and the bank refuses to repay after collection, it will be sentenced for credit card fraud.