Failure to repay the minimum payment on a Bank of Communications credit card three months overdue will have the following consequences:

1. Damage to your credit record: Overdue repayment will have a negative impact on your personal credit record Influence. Banks will report overdue payments to the central bank's credit reporting system, which will damage an individual's credit record. Credit history affects many aspects of daily life, such as loan applications, credit card applications, renting, etc.

2. Overdue penalty interest and late payment fees: The bank will charge overdue penalty interest and late payment fees in accordance with the contract. Overdue penalty interest refers to the additional interest charged at a certain percentage during the overdue repayment period; late payment fees refers to the liquidated damages charged at a certain percentage when repayment is overdue. These fees will increase the repayment amount and increase the burden of repayment.

3. Collection Actions: Banks may take collection actions to pursue overdue amounts. Collection actions may include: phone calls, SMS reminders, door-to-door collections, etc. Banks may also entrust third-party collection companies to collect debts, and they may use more forceful means, such as phone harassment and door-to-door threats.

To sum up, failure to repay the minimum payment on a Bank of Communications credit card three months overdue will cause damage to one’s credit record and will incur additional overdue penalty interest and late payment fees. In addition, banks may take collection actions to pursue overdue amounts. To avoid adverse consequences, individuals should pay off their credit card balances in a timely manner.

Extended information: According to China's "Bank Card Management Measures", after the overdue repayment of a credit card exceeds a certain period, the bank has the right to submit the overdue information to the credit reporting agency, which will cause damage to the individual's credit record. negative impact. At the same time, banks also have the right to take legal collection measures to pursue overdue payments, but law enforcement methods are limited, and collection officers cannot use illegal means such as violence or threats.

In addition, late repayment may have an impact on an individual's future loan applications. Banks will refer to individuals' credit records when approving loans. Individuals with poor credit records may face higher interest rates or have their loan applications rejected.

Therefore, it is recommended to abide by the repayment regulations of debit and credit cards to ensure timely repayment and avoid the impact of late repayment. If you really encounter difficulties and cannot repay on time, it is recommended to negotiate with the bank as soon as possible and seek a reasonable repayment arrangement. Dealing with late payment issues promptly can help protect your credit history and financial stability.