The Bank of Communications credit card is overdue if it exceeds the repayment date by 3 days. The calculation method of overdue penalty interest of Bank of Communications' credit card is as follows: in the past, each consumption amount on the statement was the interest-bearing principal, and the interest-bearing days were from the account entry date to the account repayment date, and the daily interest rate was five ten thousandths.

If the overdue amount of users is relatively large and the overdue time is relatively long, then Bank of Communications may also sue overdue users on the grounds of malicious overdraft. If the overdue amount reaches 50,000 yuan, and the arrears are not paid for more than 3 months after being collected by the bank twice, once it is judged as malicious overdraft, it may also bear criminal responsibility for overdue credit cards.