Bank of Communications will conduct a credit check if the repayment is 4 days late. Bank of Communications' credit cards and loans all have time tolerance services, and Bank of Communications' time tolerance service provides credit card customers and loan customers with a three-day repayment grace period, which means that they have not repaid their loans by the repayment date. If you want to make a payment, as long as you pay off the debt within three days of the repayment date, your credit will not be reported and your personal credit will not be affected. If you exceed the three-day grace period, you will be subject to a credit report if you repay the loan in the future.

Having a credit report will affect personal loans, such as home loans, car loans, credit loans, etc. When applying for these loans, the bank will check the personal credit report. If there is a bad credit, the bank will Loan will be declined.

If you are on the credit reporting system (bad credit reporting), you will be rejected when applying for a credit card, because the basic requirement for applying for a credit card is good credit reporting. If there is a bad record, the bank will be very confused when issuing the card. cautious.

Bank of Communications (English name Bank of Communications, referred to as BCM, Chinese name Bank of Communications) was founded in 1908 and is one of the six major banks in China. Bank of Communications was listed on the Hong Kong Stock Exchange in June 2005 and successfully listed on the Shanghai Stock Exchange in May 2007. In July 2019, the 2019 Fortune Global 500 was released: ranking 150th. Ranked 18th on the list of the top 100 Chinese enterprises along the Belt and Road Initiative. In December 2019, it was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony. In March 2020, it was selected into the top 500 most valuable global brands.