1.02 1 is indeed the area code of Shanghai. Is that the phone number of the Bank of Communications? I suggest you don't believe it easily. If the other party wants you to handle some business by phone or online, you should be on your guard. It's best to ask the other party's address clearly and then go to the business hall. I often get calls starting with 02 1, saying that Guangfa Bank and Bank of Communications both want you to apply for a credit card.

Second, but you can ignore it, hang up directly, and be careful of bank card information leakage. The credit card of Bank of Communications is also the Shanghai number, but most of them recommend various businesses, allowing you to apply for credit card installment. As long as the bank card is used normally and correctly, you don't have to pay attention to incoming calls.

Third, if you have outstanding credit cards. You can answer it or not, but if you don't answer it, the bank will keep calling. If the credit card is overdue, the corresponding bank calls for repayment. It doesn't matter whether you answer the phone or not, but if you don't answer it all the time, the bank will keep calling to urge the repayment until the customer pays off the money. If the credit card is overdue, it will not only reduce the customer's comprehensive credit score, but also affect the future loan matters, and the longer the overdue time, the higher the repayment amount, and repay as soon as possible.

Recovery time after overdue credit card:

1. If there is a bad credit record caused by credit card repayment or annual fee, as long as you are sincere, take the initiative to contact the bank, explain the reasons and take appropriate remedial measures, the bank will usually help customers eliminate the bad credit record, and the time generally cannot exceed 90 days.

2. If you want to get rid of bad credit card records, there is another way to refresh the coverage system according to credit records and get rid of negative records and their effects. Because credit card records basically only show the records of the last 24 months, the previous records are difficult to query.

As long as the repayment is made on time in the next two years and no new bad records appear, the original negative credit records will be overwritten and a good credit record will be re-formed.

3. If the reputation stain is overdue for more than 90 days and enters the database of the central bank's personal credit information system, there are only two ways to eliminate it. One is to automatically eliminate bad records after 5 years, and the other is to apply for manual elimination. According to the regulations of the central bank's credit information center, everyone has the opportunity to manually eliminate it every two years and needs to submit an application to the credit information center. If it meets the requirements, the Credit Information Center will immediately help eliminate it.

People's Daily Online-It will be difficult to apply for provident fund loans if overdue repayment of credit cards affects credit.