1. Pay the "minimum repayment amount" first: Under normal circumstances, after the credit card expires, ICBC will first send a warm reminder through text messages, phone calls, etc. At this time, the attitude towards collecting is still relatively good. If the cardholder comes back or does not come back, ICBC will issue a warning to sue, and if the cardholder does nothing, they will sue directly. If the cardholder wants to negotiate for payment, he must first show his sincerity in repaying the card. The best way is to refund the minimum repayment amount first and then negotiate with ICBC. When the cardholder repays the minimum repayment amount, the consumption on the bill will no longer have an interest-free period and will accrue interest, but it is not overdue and the nature is not that bad. 2. Negotiate with the branch credit manager: According to customer service feedback from ICBC, after the credit card expires, you must go to the credit card outlet to find the credit manager. It is recommended to go directly to the card issuing outlet to apply for deferred repayment. Generally speaking, banks will depend on the situation. For cardholders who are really unable to repay, they will not be too hard and can give a certain buffer period to ease the temporary repayment pressure. In cases where interest rates are higher, banks can apply for interest rate reductions.

3. Other solutions: If the credit manager of the Industrial and Commercial Bank of China refuses to negotiate and must return it on time, another emergency solution is to change the invoicing date. However, this method only applies to cardholders who can call the credit card center for customer service before the expiration date.

4. Credit card repayment methods: Bank counter repayment: Go to the card-issuing bank counter for manual repayment, and tell the teller that you need to prepare cash in advance for credit card repayment. ATM machine repayment: To make a deposit at the ATM machine of the credit card issuing bank, you need to prepare cash in advance. Online bank repayment: Find a savings card with sufficient balance, online banking, inter-bank or inter-bank transfer to a credit card account to make repayment. Inter-bank operations will charge a handling fee.

: ① If the cardholder is still willing to repay, the card issuer can negotiate with Zicha on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement shall not exceed 5 years. The content of the personalized installment agreement should at least include: debt balance, structure, and currency; repayment cycle, method, currency, date, and amount of each installment; whether annual fees, interest, and other fees will be charged during the repayment period; the cardholder has not To repay the relevant amounts in the personalized installment agreement in full, you are not allowed to apply for a credit card from any bank; the rights and obligations of both parties, liability for breach of contract, and other matters related to repayment.

② Relevant specific regulations are as follows: The China Banking Regulatory Commission stipulates that those who are willing to repay but whose credit card debt exceeds their repayment ability can reach a personalized installment repayment agreement with the bank. The maximum term of the personalized installment agreement is 5 years, that is, 60% has been self-inspected, which greatly reduces the debtor's repayment pressure. The maximum repayment period shall not exceed 60 days. Article 18 of the "Notice on Issuing the Measures for the Administration of Credit Card Business" has corresponding provisions: the maximum overdraft period of a credit card is 60 days. Credit card overdraft interest will be calculated at a daily interest rate of 10,000 within 15 days from the date of signing or bank accounting, and will be calculated at a daily interest rate of 10,000 for more than 15 days. If the overdraft exceeds 30 days or the overdraft amount exceeds the prescribed limit, the daily interest rate will be calculated at 10,000. Overdraft interest is not divided into segments and is calculated based on the maximum overdraft period or the highest interest rate.