Bank of Communications overdue SMS

In other words, if you have a credit card of Bank of Communications, the bill is overdue and has not been repaid.

After receiving this message, check your credit card bill with the bank as soon as possible. If it is really overdue, you should repay it in full as soon as possible and explain to the bank that it is not malicious.

The grace period of credit card repayment in most banks is generally 65,438+0 to 3 days, but if they fail to repay after the grace period, they will leave a bad credit record on their personal credit report.

Extended data:

Consequences of late payment by credit card:

The day after the credit card expires, your name will appear in the internal system of the bank, which will be seen by the president and risk control. Moreover, it will inevitably affect the credit investigation and leave a bad credit record on the personal credit investigation report. Once a bad credit record is left, it may be kept for 3 -7 years. If the overdue situation is serious, both mortgage and car loan will be affected.

If you don't pay back the money for a long time, or even break the contract maliciously, you are more likely to face legal sanctions, and the most serious thing is to face jail.

According to Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, if a cardholder exceeds the prescribed limit or overdraws within the prescribed time limit for the purpose of illegal possession, and fails to return it after being repeatedly urged by the issuing bank for more than three months, it shall be deemed as malicious overdraft.

The amount of malicious overdraft is large, and if it is overdue, it may be investigated for criminal responsibility. Article 196 of the Criminal Law stipulates that those who maliciously overdraw credit cards and engage in credit card fraud activities with a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.

The bad credit record of People's Daily Online-China People's Bank Credit Information System will be retained for 5 years after termination.