Affect credit reporting. Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. If you are overdue for more than 3 months, or if it is purely overdue for one year or more, Bank of Communications will set you on a credit blacklist, and this list will be directly uploaded to the central bank center, which will affect your credit report. You will not be able to apply for credit services in the next five years, which will actually have a huge impact on you.