Bank of Communications is overdue for more than 5 years. The bank called me and sent me a text message to call me back, which meant to inform me of the repayment and said that it would affect my reputation. According to the relevant information, the bank will call to inform the repayment. If the loan is not repaid for a long time, the credit will be damaged, and the bank has the function of informing and reminding. According to the overdue time of Bank of Communications credit cards, the timeliness service of credit cards can be overdue for 3 days, and cardholders can enjoy 3 days of repayment after credit card repayment.