Interest reduction and exemption process: the first step, the cardholder can reflect his own situation by contacting the legal affairs department of Bank of Communications Credit Card Center or calling the customer service center.

In the second step, the customer service of Bank of Communications will submit the next work order to the background department after receiving the order, and then the corresponding department will get in touch with the cardholder after receiving the order.

Step 3: According to their own situation, the cardholder writes a waiver application to the bank, explaining the reasons of special circumstances, such as unemployment, illness, disability and other economic burdens or other circumstances that put the financial situation in crisis, resulting in the inability to complete the full repayment. I hereby apply for the reduction and exemption of late payment fees and interest, and request to attach corresponding evidence to prove the above situation is true.

The specific amount of relief will be adjusted according to everyone's actual situation, and of course it will be carried out on the basis of personal sincere repayment.

Bank of Communications credit card repayment is the interest-free repayment period of Bank of Communications credit card from the bank bookkeeping date to the due repayment date, in which the longest interest-free period is 56 days and the shortest is 25 days.