1. Go to the local people's bank to check your personal credit records.

2. call the bank of communications credit card customer service hotline to check the overdue status of the credit card.

3. Take the credit card to the business outlets of Bank of Communications to check the overdue status of the credit card.

4. check your credit card arrears on your online banking.

if the inquiry shows that the credit card is not overdue, it means that the credit record is good, because the bad record is generally due to the overdue credit card.

You should also pay attention to the repayment when using credit cards in daily life. Be sure to remember the repayment time and amount, and make repayment according to the amount on time, so that your personal credit record will be "clean".