1. Yes, late repayment may cause bad records on ICBC credit cards.

2. a. Overdue repayment will trigger the bank’s overdue management procedures, which may lead to the generation of bad records.

b. A bad record is a type of negative credit information that may affect an individual's credit rating and ability to apply for credit in the future.

c. When the amount of debt owed is small, the impact of bad records on credit ratings is relatively low, but there is still a potential impact.

3. Overdue repayment of RMB 150 on an ICBC credit card may result in a bad record. Paying off the debt as early as possible is an important step in maintaining personal credit.

4.

Extended information: China’s personal credit system is mainly responsible for the central bank’s credit reporting system, and each commercial bank conducts evaluations based on the central bank’s credit reporting data. As a large commercial bank, ICBC will also refer to individuals' credit records when approving credit services, and is obligated to report overdue information to the central bank.

5. Based on the above requirements, the following is the answer content:

First of all, if the ICBC credit card repayment is overdue by 150 yuan, a bad record may be generated.

Secondly, overdue repayment will initiate the overdue management process, resulting in the generation of bad records. This negative credit information can have an impact on an individual's credit rating and future credit applications. Although the amount owed is smaller, there are still potential impacts.

To sum up, overdue repayment of 150 yuan may cause a bad record on personal credit, so repaying the debt in time is an important step to maintain personal credit.

According to the way China's personal credit system operates, ICBC, as a large commercial bank, will refer to individuals' credit records for credit approval and report overdue information to the central bank.

Supplementary information: China’s personal credit assessment system is mainly responsible for the central bank’s credit reporting system. Commercial banks conduct customer credit assessments based on the central bank’s credit reporting data.