Reduce by 30% to 50%. 30% to 50% of the overdue negotiation of Bank of Communications' credit card for 7 months can be reduced because the overdue negotiation service provided by Bank of Communications provides certain economic benefits to customers and helps them pay off their debts in time, but there are special reasons for the reduction.

1. Bank problem: If the credit card generates interest due to bank reasons, the cardholder may ask the bank to reduce the interest.

2. Force Majeure: If the cardholder is overdue due to major illness, unemployment, bankruptcy and other force majeure factors, he can take the initiative to explain the situation to the bank, and then submit information to prove that the bank will reduce interest after considering it at its discretion.

3. Other reasons: If the cardholder has reached a deferred repayment plan with the bank before the repayment date, but the bank still deducts money on the repayment date, the overdue interest arising therefrom may also be reduced or exempted by the bank.