Bad credit history is usually caused by overdue repayments for more than a certain period or amount. According to the Bank of Communications credit card policy, a 12-yuan overdue repayment may not directly lead to a bad credit record.

Details:

1. Small amount: 12 yuan overdue repayment is a relatively small amount and is unlikely to cause a bad credit record alone.

2. Short-term: Only overdue repayments for more than a certain period of time will be considered a sign of a bad credit record. One day of overdue payment is usually not enough to produce a bad credit record.

3. Policy flexibility: Each bank handles overdue repayments differently. Bank of Communications may give lenient treatment to small amounts and short-term overdue payments to avoid excessive impact on customer credit.

Summary:

Based on the above analysis, a one-day overdue repayment of 12 yuan on a Bank of Communications credit card will usually not directly lead to a bad credit record. However, be careful to make timely repayments to avoid any unnecessary overdue payments, as long-term, large late payments can have a negative impact on personal credit.

Extended information:

Banks have certain flexibility and policy differences in handling overdue repayments. Personal credit records are usually maintained and managed by the personal credit information system of the People's Bank of China. This system will record personal credit information, including overdue repayments, etc. Specific credit history standards may vary by bank, region and policy.

Note: The above answers are for reference only. The specific impact on credit history needs to refer to relevant bank policies and actual conditions. If necessary, please consult Bank of Communications or relevant professional institutions for more accurate information.