It is also possible that you applied for a credit card, and there is an annual fee. If you ignore this card, the annual fee will be overdrawn after one year. If you still don't repay after overdraft, it will have a bad influence on your personal credit record and the consequences will be very serious. In addition, personal credit records are national, not regional, and are recorded in the personal credit information system of the People's Bank of China. All loan business and credit card business must require inspection system. If you have a bad record, you will have trouble getting a loan in the future.
I'm here to give you some knowledge about popular science, hoping to help you:
ICBC's credit card balance refers to the amount you have consumed but have not repaid (including interest and late fees), and the credit line within the available credit card limit held by ICBC has not been used.
If ICBC's credit card limit suddenly becomes zero and cannot be recovered in a short time, it is suggested to cancel the credit card or reapply two years later, but if you don't want to use it, you can choose to cancel it after paying off the arrears.
It is possible that the user will return part of the arrears and the line will be restored. If the user has paid the arrears, the repayment funds have arrived, and the available credit line is still zero, then the credit card may be controlled by ICBC. Under normal circumstances, the credit limit will be restored after the credit card is repaid. During the risk control period, ICBC will not allow users to continue spending by credit card, otherwise the available credit limit of credit card will be recovered.
ICBC's credit card limit suddenly became zero, or it may be because the card is abnormal or stolen. It may also be because you use the card illegally, the arrears are overdue, and the card has been idle for a long time.