If the Bank of Communications credit card repayment is only one day late, it will be regarded as normal repayment and will have no impact.

In order to prevent customers from forgetting the due date of repayment or having a slight error in the repayment amount, causing interest expenses or affecting their personal credit, Bank of Communications Credit Card provides customers with a more humane " Time and tolerance "repayment service. The long-term service means that when the account status is normal, if the payment is credited to the account on the due date of the current bill (including a 3-day grace period), it will be deemed to be repaid on time.

Tolerance service means that when the account status is normal, if the current repayment amount is in full and the minimum repayment amount is paid, but there is still a gap of less than or equal to 10% between the repayment amount and the bill repayment amount. If the difference is RMB 1 or USD 1, it will be deemed to have been repaid in full for the current period, and the outstanding amount will be automatically transferred to the next bill.

The English name of Bank of Communications is Bank of Communications, abbreviated as BCM, and the abbreviated Chinese name is Bank of Communications. Founded in 1908, it is one of the six major banks in China and the oldest bank in China. One of the banknote-issuing banks in modern China.

On April 1, 1987, the reorganized Bank of Communications officially opened for business and became China's first national state-owned joint-stock commercial bank, with its head office in Shanghai. In June 2005, Bank of Communications was successfully listed on the Hong Kong Stock Exchange, and in May 2007, it was successfully listed on the Shanghai Stock Exchange.

Bank of Communications is one of China's major financial service providers. The group's business scope covers commercial banking, securities, financial leasing, trust, insurance, fund management and offshore financial services, etc. Bank of Communications has 235 domestic branches, including 30 provincial branches, 7 directly affiliated branches, and 199 provincial branches. It operates in 239 prefecture-level and above-level cities, 158 There are 3,270 business outlets in counties or county-level cities; the group has 7 non-bank subsidiaries, namely wholly-owned subsidiaries Bank of Communications Leasing, Bank of Communications Investment and Bank of Communications Insurance, and its holding subsidiary Bank of Communications. Silver Fund, BoCom Life, BoCom Guosen and BoCom International.

In addition, Bank of Communications is also the largest shareholder of Changshu Rural Commercial Bank and the joint largest shareholder of Tibet Bank. It has strategically invested in Hainan Bank and controls 4 rural banks. In July 2019, it ranked 150th among the 2019 Fortune Global 500. Ranked 18th among the top 100 Chinese enterprises along the Belt and Road Initiative. In December 2019, it was selected into the 100 Model Brands of the 2019 China Brand Power Ceremony. In March 2020, it was selected into the top 500 most valuable global brands.