First of all, the Bank of Communications credit card is overdue for three months and has been contacted by phone for collection, which may lead to the card being cancelled.

Details:

1. Banks usually set a certain overdue repayment period. If this period is exceeded, the bank has the right to cancel the overdue card. .

2. Overdue repayment will cause the amount of debt to increase, so it is normal for the amount of debt on the bill to increase after three months of overdue payment.

3. The bank's handling of overdue repayments will gradually escalate, and your case may be transferred to the risk management department for processing, and you may be called to collect the debt, requiring you to pay back the debt as soon as possible.

4. The bank has the right to require you to surrender to the local public security bureau, but whether this is necessary depends on the bank's policies and the circumstances of the case.

5. If you want to know whether your credit card has been deactivated, you can obtain the information in the following ways:

a. Log in to the official website of Bank of Communications or mobile APP, and click on the credit card Check the card status on the relevant page;

b. Call the Bank of Communications credit card customer service hotline to inquire about the card status;

c. Enter the Bank of Communications branch and consult with the teller.

Summary:

If your Bank of Communications credit card has been overdue for three months and you have received a collection call, it may result in the card being cancelled. To avoid adverse effects on your credit, it is recommended that you pay off your debt as soon as possible, comply with your contractual obligations, and communicate with your bank in a timely manner.

Extended information:

When banks deal with overdue credit cards, they usually take the following measures:

1. Collection phone calls: Banks will contact customers by phone , reminding and urging them to repay.

2. Overdue penalty interest: The bank will charge overdue penalty interest from the customer according to the contract. The longer the overdue period, the penalty interest fee will also increase accordingly.

3. Transfer to the risk management department: If the case is overdue for a long time and the amount owed is large, the bank may transfer the case to a department that specializes in handling risks, and further measures may be taken.

4. Impact on credit record: Late repayment will have a negative impact on personal credit record, affecting credit rating and borrowing ability.

5. Cancel the credit card: If the overdue situation is serious or the customer has not repaid for a long time, the bank may decide to cancel the credit card and send relevant notices to the customer.

I hope the above answers can be helpful to you. If you have any other questions, please feel free to ask.