After the Bank of Communications credit card was overdue for 13,000 yuan and the repayment was 500 yuan, the bank threatened to sue, which may lead to the following consequences:

1. Court decision: The bank can file a lawsuit with the court to pursue the case. Collect overdue debts. If the judgment goes in favor of the bank, you may be required to pay the outstanding balance, including late fees and interest.

2. Damage to your credit record: Overdue credit card payments may have a negative impact on your credit record. This will make it difficult for you to apply for a loan, credit card, or other financial transaction in the future.

3. Collection actions: The bank may take further collection measures, such as entrusting a third-party company to collect, and may send you harassing phone calls or letters.

To sum up, late payments can lead to legal action, damage to your credit history and collection actions. It is recommended that you negotiate with the bank to resolve the outstanding balance as soon as possible and ensure that the outstanding amount is repaid on time to avoid further risks and inconvenience.

Extended information:

According to Chinese law, banks can sue debtors through courts to recover overdue debts. The court's judgment is highly enforceable, and the debtor must pay the arrears, interest and late fees according to the judgment. Credit history is crucial to an individual's borrowing ability and credit status. Late repayments will be recorded in the personal credit report and affect the individual's credit rating. The bank may entrust a professional collection company to carry out collection work and adopt various means to recover the debt. Therefore, timely repayment and negotiation with the bank are the best ways.