If you make several overdue payments but do not exceed 30 days, no bad records will be generated.

Detailed description:

1. Overdue credit card repayment refers to the situation where the repayment is not made according to the agreed time. Generally speaking, as long as the overdue period does not exceed 30 days, it will not produce a negative record in your personal credit record.

2. As a large commercial bank, Bank of Communications has a certain grace period policy in handling overdue repayments. If the repayment is overdue within 30 days, banks usually will not report this information to the individual's credit record.

3. Bad records mainly refer to adverse events recorded in personal credit reports, such as serious overdue payments, arrears, defaults, etc. Only when the loan is seriously overdue for more than 30 days, or is overdue multiple times and the debt is large, will it have a negative impact on the personal credit record.

Summary:

If the number of overdue payments on your Bank of Communications credit card does not exceed 30 days, it will not leave a bad record in your personal credit record. However, be sure to make your repayments on time to avoid the inconvenience and possible negative consequences of overdue payments.

Extended information:

Personal credit record is a report formed by financial institutions based on an individual’s credit behavior. Late repayments will have a negative impact on your personal credit record, and you may encounter difficulties when applying for loans, credit cards and other financial products. Therefore, it is recommended that everyone develop good repayment habits and ensure repayment on time.