1. Credit record is damaged: overdue repayment will have a negative impact on personal credit record. Banks will report overdue cases to the central bank's credit information system, which will damage individuals' credit records. Credit records have an impact on many aspects of daily life, such as loan applications, credit card applications, renting houses, etc.

2. Overdue penalty interest and overdue fine: the bank will collect overdue penalty interest and overdue fine according to the contract. The overdue penalty interest refers to the extra interest charged according to a certain proportion during the overdue repayment period; Late payment refers to the liquidated damages charged according to a certain proportion when overdue repayment. These expenses will lead to an increase in the repayment amount and increase the repayment burden.

3. Collection action: Banks can take collection measures to recover overdue payments. Collection actions may include: telephone collection, SMS reminder, door-to-door collection, etc. Banks may also entrust a third party to collect money from the company, and they may take tougher measures, such as telephone harassment and door-to-door threats.

To sum up, failing to repay the minimum repayment amount of Bank of Communications credit card for three months overdue will cause damage to personal credit records, resulting in additional overdue penalty interest and late payment fees. In addition, banks may take collection actions to recover overdue payments. In order to avoid adverse consequences, individuals should repay credit card arrears in time.

Extended data:

According to China's "Bank Card Management Measures", after the overdue repayment of credit cards exceeds a certain period, banks have the right to submit overdue information to credit reporting agencies, which will have a negative impact on personal credit records. At the same time, banks also have the right to take legal collection measures to recover overdue funds, but the means of law enforcement are limited, and the collection personnel cannot use illegal means such as violence and threats.

In addition, overdue repayment may have an impact on an individual's future loan application. Banks will refer to personal credit records when approving loans. Individuals with poor credit records may face higher interest rates or be denied loan applications.

Therefore, it is suggested to abide by the repayment rules of debit cards and credit cards to ensure timely repayment and avoid the influence of overdue repayment. If you really encounter difficulties and can't repay on time, it is recommended to negotiate with the bank as soon as possible to seek a reasonable repayment arrangement. Dealing with overdue repayment in time is helpful to protect personal credit record and financial stability.