1. Your Bank of Communications credit card has been overdue for nearly 4 months, and you owe more than 9,000 yuan, of which 1000 yuan was paid back during the overdue period. Today, you received a short message from the bank, asking to pay off 1200 yuan before 4pm, otherwise the card will be permanently frozen and you will bear legal responsibilities.

2. Explain:

A. Overdue repayment: According to the information provided, your Bank of Communications credit card has been overdue for nearly 4 months, indicating that you have not repaid on time. Overdue repayment will lead to a lower credit rating of the bank, which will lead to additional expenses such as overdue interest and late payment fees.

B. Amount of arrears: During the overdue period, your accumulated arrears have exceeded 9000 yuan. The more money owed, the more severe the measures taken by banks to recover the money owed.

C. Partial repayment: According to the information provided by you, you paid back the repayment of 1 1,000 yuan within the overdue period. Although you have paid off some of the money, the bank may take more severe measures to ask you to repay the remaining amount, because there are still a lot of outstanding debts.

3. Summary:

According to the information you provided, your bank of communications credit card has been seriously overdue and accumulated a lot of debts. The bank requires you to pay off 1200 yuan before 4pm, otherwise your credit card will be frozen and you will bear legal responsibilities. Because you are overdue for a long time and owe a high amount, I suggest you pay off your debts as soon as possible to avoid further legal risks and credit losses.

4. Extended information:

Overdue repayment of credit cards involves People's Republic of China (PRC) Contract Law, People's Republic of China (PRC) Consumer Protection Law and other laws and regulations. According to these laws and regulations, banks have the right to take reasonable measures to recover overdue funds. At the same time, in order to protect the rights and interests of consumers, the law also provides certain debtor protection measures, such as the need for banks to remind debtors before taking enforcement measures. If you still have questions or need to know more about relevant laws and regulations, please consult a professional lawyer or relevant bank departments.

The above are the answers and suggestions given by analyzing the situation you are facing based on the information you provided. I hope it helps you. If you have any other questions, please feel free to ask.