If you owe a credit card to ICBC and go to ICBC to apply for a credit card, you may be caught if you don’t repay the credit card. The state has regulations that maliciously overdraft a bank card for the purpose of illegal possession, exceeding the regulations. Anyone who overdrafts within the limit or specified period and fails to return the money after being called by the card-issuing bank will be sentenced to fixed-term imprisonment of not more than 5 years and criminal detention.

1. How long does it usually take for banks to collect debts for non-repayment?

Generally, banks will collect debts for non-repayment within three months. Under normal circumstances, overdue debt exceeds three months. If the payment is still not repaid within a month or more than two bank reminders, the bank will first freeze the card owner's bank card and blacklist the card group. In more serious cases, banks with relatively large amounts may also complain to the card owner. The court will enforce the law against the borrower.

2. Reasons for credit card freezes

There are many reasons for credit card freezes. It may be because you have failed to repay your debts many times overdue, and the bank determines that you have no ability to repay. Choose to freeze your bank card. If you want to repay in full, you can call the bank customer service to negotiate and unfreeze it. But if there are too many overdue times, you need to go to a bank branch to handle it. Under normal circumstances, customers will unfreeze it. Also, if the credit card involves cashing out, if you frequently make large purchases and withdraw cash, the banking system will This will cause doubts about your credit, and your credit card may be frozen on the grounds that it is suspected of cashing out. Under normal circumstances, you can unfreeze it by calling the credit card customer service center to explain the situation.

3. If you owe a credit card and do not repay it overdue, the bank will definitely first collect it through text messages and phone calls. This will have a relatively large impact on daily life. If there is no repayment, the bank will A lawsuit will be filed against the borrower. If you sue the bank, it means that your personal credit record will be blacklisted, and you will no longer be able to apply for any bank loan business for a long period of time. The assets of serious borrowers will be frozen, which will have a great impact on daily life.