Yes. A Bank of Communications credit card that is overdue for three days is not considered overdue. Bank of Communications has a three-day grace period. In other words, a Bank of Communications credit card is considered overdue if it exceeds the repayment date by 3 days, and Bank of Communications' credit card extension service allows for 3 days of overdue payment. According to the standards of Bank of Communications, after the credit card repayment date, cardholders can enjoy a 3-day repayment extension service. Under normal circumstances, Bank of Communications credit cards have a grace period for repayment, so they will not be reported to the credit record as soon as they are overdue. According to the regulations of Bank of Communications credit cards, Bank of Communications credit cards have a 3-day grace period for repayment, that is, if the payment is completed within three days after the final payment date, it is still considered to be repayment on time. But often when using a credit card, if the payment is not completed on the final payment date, it will be called overdue. Due to the existence of the repayment grace period, the Bank of Communications credit card will not be recorded on the credit record until the 4th day after the payment is overdue.

As long as the cardholder pays the minimum payment amount before midnight on the third day after the due payment date, it will not be considered overdue.

For bank credit card products, late repayment is a very serious breach of trust. On the one hand, an overdue credit card will have a negative impact on an individual's credit report and directly affect the user's future application for credit products; on the other hand, an overdue credit card will generate corresponding penalty interest. In addition, when the credit card is overdue for 3 months, the bank will directly sue the bank to the court.

It should be noted that the user needs to repay the debt to the credit card account before midnight on the third day after the payment date, and it must show that it has been credited. For users who have repayments but have not yet shown credit, they will be processed according to the credit report.

However, cardholders need to note that a Bank of Communications credit card that is overdue for three months has reached the standard for prosecution, and the issuing bank will adopt a prosecution strategy. Bank of Communications has strict risk control. For overdue users, timely repayment is the most important thing.