Bank of Communications repays the loan four days late, which means that the loan will be repaid after the grace period. If the loan is repaid after the grace period, Bank of Communications will regard the user as overdue, and overdue records and overdue interest will be generated. Since the overdue records have been uploaded, even if the user repays the loan four days later, the overdue records will be kept for five years before being deleted.

therefore, in order to avoid overdue records, users are requested to pay back on time. When there are overdue records in the credit information, users will not be able to apply for other credit businesses. When the credit information is restored, users can handle credit business normally.

1. Solution to overdue credit card:

1. If the cardholder forgets to repay, he must repay as soon as possible, preferably in full. Call the bank's credit card center to declare non-malicious arrears. If the overdue time is short, the bank may not count bad records;

2. If the credit card is unable to repay due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center, explain his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to postpone the repayment, and the bank and the cardholder will agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the record of overdue credit card repayment will be kept in the credit information system for two years. If it is found that the card is directly cancelled after the overdue payment, the information will not roll, but will be kept for a long time. Therefore, after the cardholder becomes overdue, it is best not to cancel the credit card immediately, and it is best to stick to it for more than 2 years, and then maintain a good credit record.

2. The overdue time of the credit card of Bank of Communications is as follows:

1. The time-sensitive service of the credit card can be overdue for 3 days

After the credit card is repaid, the cardholder can enjoy the time-sensitive service of repayment for 3 days. As long as the cardholder returns the minimum repayment amount before : pm on the third day after the due repayment date, it is not overdue. In other words, as long as the credit card is overdue within 3 days after the repayment date, it is safe. If the credit card is overdue for more than 3 days, it is necessary to report the credit, which will affect the personal credit record.

2. The overdue records of credit cards will be reported once a month

The bank will regularly report the credit card records to the People's Bank of China every month, thus forming the credit record of the cardholder. At present, the frequency of submitting personal credit data by banks is once a month. Therefore, if the credit card is overdue and exceeds the buffer time of 3 days, you should call the bank in time to try to solve it through consultation before the bank submits personal credit records.

to sum up, the Bank of Communications will make a credit report at the meeting when the credit card is overdue for three days, and the cardholder should pay attention to repayment on time. Only when the credit guarantee is signed, it is no problem to be overdue for three days.