First of all, you can contact the credit card customer service department of ICBC to explain your situation and express your hope to postpone the repayment. You can consult by telephone, online customer service or bank counter.
Secondly, explain your difficulties and reasons in detail, such as financial difficulties and temporary changes, so that banks can know your real situation. At the same time, put forward your repayment plan and explain your ability and willingness.
Then, according to the requirements of the bank, provide relevant certification materials to prove their difficulties and sincerity, such as income certificates and financial status certificates. These materials will help strengthen your application for deferred repayment.
Finally, consult with the bank and listen to their opinions and suggestions. There may be further requirements, such as submitting a repayment plan and signing an extension agreement. You need to cooperate with the requirements of the bank and try to reach a mutually acceptable agreement.
To sum up, negotiation of deferred repayment includes communicating with ICBC, explaining its own situation, providing supporting materials, listening to the opinions of banks and reaching an agreement acceptable to both parties through negotiation. In this process, it is very important to communicate sincerely and explain in detail your difficulties and willingness to repay.
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Deferred repayment is a common way in China's personal credit market. Usually borrowers have reasonable reasons, such as financial difficulties, temporary changes and so on. In this case, the borrower can contact creditors (such as banks) to negotiate and apply for deferred repayment. Each bank's policy may be different, and it is necessary to contact individual banks to get specific solutions.
The information content of the question "How to negotiate deferred repayment for industrial and commercial credit cards overdue for three years" is relatively small, so I assume that you have no other outstanding liabilities at present and have a strong willingness to repay. In the process of negotiating deferred repayment, maintaining a positive communication attitude and providing relevant certification materials will help increase the chances of success.
Please note that my advice is general guidance and does not represent legal advice. The specific situation may vary due to personal circumstances, bank policies and other factors. Therefore, in view of your personal situation, it is best to contact ICBC directly for professional advice and solutions.