You should contact the Bank of Communications Credit Card Center first. If you fail to repay in time for many times, it will be more troublesome. It's best to use a credit card to bind a debit card for automatic repayment, so even if you forget that as long as the debit card has enough money, you have to pay a minimum repayment amount at worst, which will cost you some money but at least it won't affect your credit history. However, these are another story. Please call the Bank of Communications Credit Card Center for consultation. Don't get me wrong, the 400 one.