Bank of Communications has zero tolerance for overdue, which is very strict (personal experience, accidentally overdue 10 times a year, if it can't stand it, it won't be used again. )
In any case, credit reporting is really important. Whether it is buying a house or a loan, credit reporting is the most important audit threshold. If you have a good credit report, all other information can be easily solved. If the number of overdue credit reports exceeds the red line of the bank, then everything will be goodbye.
Bankers don't usually call for money. When they call for money, they usually go with the police or the court and give you a bracelet. Pay back the money first, and then talk about the rest.