1. Can the cancelled ICBC credit card be used again?
ICBC's credit card can be restored after cancellation, but it depends on how it was cancelled before. If the card is not digested, it can be recovered, and the card can be recovered through manual customer service. Of course, you need to check some information, such as ID number, some information registered when opening the card, and so on. When it is confirmed, the staff will immediately cancel the credit card. If you cancel the card and cancel the account at the same time, it is impossible to recover. Generally speaking, after a credit card is cancelled, as long as the account is not cancelled voluntarily, the account will remain for a period of time, and ICBC will generally keep it for customers for one year. If you want to use the card again during this period, you can apply for a new card.
second, how to negotiate the installment of overdue ICBC credit cards?
Under normal circumstances, ICBC's credit card does not have a grace period for repayment. Once the cardholder fails to fulfill the repayment obligation on the last repayment date, it is an overdue behavior of the credit card, which will adversely affect personal credit information and the normal use of the user's credit card. First of all, the cardholder should apply to ICBC to negotiate installment repayment, and understand the personal credit card liabilities, liquidated damages and overdue interest expenses; After submitting the application for installment repayment to the bank, wait for the bank's reply and provide relevant information according to the bank's requirements. Be sure to explain to the bank the specific reasons for the overdue credit card, such as unemployment, bankruptcy, serious illness and so on. If there is no special reason, the bank will generally not agree to negotiate installment repayment. Then wait for the bank's approval, and after the bank's approval, it can repay the overdue credit card in installments according to the negotiation.
users must always negotiate repayment with ICBC as soon as possible, and the longer the overdue period, the more unfavorable it will be to users.