Being one day overdue on a Bank of Communications credit card may have a certain impact on your credit.

First of all, overdue repayment is one of the bad behaviors in credit card use. The bank will record this situation in the personal credit report, thus having an impact on the personal credit rating.

Secondly, an overdue credit card may lead to a reduction or freezing of the credit limit. Banks have the right to adjust the credit limit or temporarily freeze the credit limit based on the customer's credit performance to protect their own interests.

In addition, late repayment will damage personal credit and may affect the qualifications and conditions for applying for loans, credit cards and other financial products in the future. Banks will comprehensively consider an individual's credit status when approving loans, and overdue repayment records will become one of the important factors in loan approval.

To sum up, a one-day overdue Bank of Communications credit card may have a certain impact on personal credit. In order to maintain a good credit record, it is recommended to make timely repayments to avoid overdue payments.

Extended information: Overdue credit card repayment means that the cardholder fails to repay the full amount or the minimum repayment amount on time within the specified repayment period, and delays repayment or fails to return all the repayable amounts. Behavior. In our country, personal credit records and credit rating systems are relatively well developed. Overdue repayments will be registered in credit reports, which will have an impact on personal credit ratings and credit records. Therefore, using credit cards rationally and repaying them on time is one of the important ways to maintain personal credit.