Bank of Communications credit payment will have a virtual bank card number. Users need to bind the card number to third-party payment software such as WeChat, Alipay, and UnionPay before it can be used. After binding to third-party payment software, Bank of Communications credit payment can pay for online and offline consumption. Online consumption can be paid directly through the payment software, while offline consumption can be realized through the function of scanning the QR code to pay.

Since Bank of Communications credit payment must be bound to a third-party payment software, its loan limit cannot be withdrawn. If the withdrawal is illegal and is detected by Bank of Communications, Bank of Communications may ask the user to pay off all outstanding balances at once. The credit limit of Bank of Communications is generally not high, so the repayment pressure is relatively small for users. Please pay attention to repay on time after using it.

Bank of Communications Credit Payment is a loan product listed on the credit report. If the repayment is not made on time, overdue interest and overdue records will be generated, which will affect the user's personal credit report.