If the ICBC credit card is overdue, the ICBC salary card may be deducted immediately.

After the ICBC credit card expires, ICBC will deduct the money from the ICBC salary card to offset the payment. According to the credit card application contract, after the credit card is overdue, ICBC has the right to directly debit any account opened by the credit card applicant at any branch of ICBC. If it is overdue, it is recommended to repay it as soon as possible.

1. The consequences of an overdue credit card are:

The bank credit card banking center will charge late fees and interest:

1. Late fees are based on the unpaid portion of the minimum repayment amount. Calculated at 5%, the minimum charge is RMB 10.

2. At the same time, the bank will also charge an interest of 0.05% per day on the entire bill.

2. Impact on credit

1. If it is overdue within a month, it is considered overdue once. As long as it is overdue, even once, it will be more difficult to increase the credit limit;

2. If you are overdue three times in a row or six times in total, you will have a bad credit record, and it will be difficult to get a loan or apply for a credit card in the future;

3. If you are overdue for a certain amount and time, the bank will freeze the credit card.

3. Legal basis:

According to the "Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Obstructing Credit Card Management", the provisions are as follows:

Article 6 If a cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and fails to return the card for more than 3 months after being called upon twice by the issuing bank, it shall be deemed to be a violation of Article 196 of the Criminal Law. "Malicious overdraft" as stipulated in the Article.

4. How banks deal with overdue credit cards

First of all, when the bank discovers that someone's credit card has not been repaid by the time, it will directly collect the debt through phone calls and text messages. To remind borrowers to pay back their money. If you still don't pay it back, this situation will continue for a month. When the bank feels that this method has not been effective after a month, it will directly look for you through the address you left when applying for the credit card. If the amount is too small, they will not come to look for you, but they will still Issues affecting your credit report.