The overdue Bank of Communications credit card has been cashed out several times. The card is not blocked but cannot be paid in installments, which means that the bank has lightly risked it. According to the query of relevant public information, if the credit card cannot be installmentd, it means that it has entered a dark room, that is, it has been lightly risk-controlled by the bank. This situation shows that the cardholder has become the focus of the bank, and the cardholder will subsequently cash out. If the card is overdue and other violations occur, the bank will reduce the credit limit and block the card. In addition, if the card cannot be installmentd, it will not be able to handle other Bank of Communications businesses, such as angel loans, etc., and these credit products will not be available.