Legal analysis: Bank of Communications has the right to sue. There is a contract with Bank of Communications. If the overdraft is not repaid overdue, according to legal provisions, it violates my country's civil law, contract law and other relevant provisions in minor cases. Bank of Communications can sue to demand the return of principal, interest and other expenses for realizing the creditor's rights; in serious cases, It constitutes credit card fraud. It is recommended to abide by the contract and comply with the laws of our country.

Legal basis: Article 119 of the "Civil Procedure Law of the People's Republic of China" A lawsuit must meet the following conditions:

(1) The plaintiff is related to the case Directly interested citizens, legal persons and other organizations;

(2) There is a clear defendant;

(3) There are specific litigation claims, facts and reasons;

(4) It falls within the scope of the People's Court to accept civil litigation and the jurisdiction of the People's Court subject to the lawsuit.

Article 675 of the "People's Republic of China and Civil Code" The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time.