When an ICBC credit card is canceled and unable to repay, you can go to the branch counter to make repayment or call the ICBC credit card customer service hotline for consultation. It should be noted that if there is a balance on the credit card, the credit card cannot be canceled. In this case, the credit card will only be frozen. The freezing of the credit card will not affect the repayment of the debt.

Credit cards must be repaid on time after daily use, and late repayment is not allowed, because late repayment will generate penalty interest, and the longer the time, the more the penalty interest will be. Moreover, after the overdue period, the bank will carry out collections, and at the same time, the bank will upload the overdue records to the credit report, causing the personal credit report to become bad.

In fact, when a credit card cannot be repaid on time, users can use installment repayment or the minimum repayment amount, which can reduce the monthly repayment amount. However, certain conditions must be met when using installment repayment. You can return it early after using installment payment.

When you cannot repay your credit card on time, you can borrow money from your friends and repay it later when you have money. However, don't borrow money from friends many times in normal times, as this will arouse others' resentment. In order to avoid not being able to repay the credit card on time, it is best for users to measure their repayment ability when using it.