First of all, before the due date of your Bank of Communications credit card comes, the bank will remind you to pay back, and generally will inform you by SMS. Then, if your credit card has passed the repayment period, but within the grace period (2-3 days), Bank of Communications will also inform you to repay it by SMS. After that, when the overdue repayment of your Bank of Communications credit card has become an established fact, Bank of Communications will continue to urge you to repay by SMS, telephone, etc. If you can't get in touch, the bank will try to contact other emergency contacts you filled in when you applied, that is, your family.