You can't apply within six months. Bank of Communications requires that the user's credit information is not overdue within half a year, which means that it takes half a year to apply for a credit card of Bank of Communications after the overdue settlement. Established in 1908, Bank of Communications is one of the six largest banks in China, one of the oldest banks in China, one of the note-issuing banks in modern China, and a large state-owned commercial bank.