At present, the time-sensitive repayment service (repayment grace period) of Bank of Communications Credit Card means that the cardholder repays through the designated repayment channel three days (inclusive) before the final repayment date, and repays through the designated repayment channel three days (inclusive) after the due repayment date, which is regarded as timely repayment.

In other words, the grace period of Bank of Communications credit card repayment is 3 days. If the full repayment is not made three days after the due repayment date, then the credit card is overdue.

Consequences of overdue credit card of Bank of Communications:

1. Pay interest and late fees.

If there is no full repayment before the final repayment date expires, the bank will pay the interest in full. Interest is the total amount of the current bill. From the bookkeeping date (consumption date), interest will be charged at the rate of 0.5 ‰ of the daily interest, and the interest will be compounded monthly until all the arrears are paid off.

2. Affect personal credit information.

Overdue credit cards will produce bad records, and banks will report them to the central bank, which will affect personal credit information. Frequent overdue or continuous overdue is inevitable, which has great influence on cardholders' handling of bank credit business in the future.