If the ICBC credit card is overdue for more than ten years and then comes to collect, you can file a defense with the court and ask the bank to provide evidence to prove that it has not given up its rights and that the collection behavior complies with legal regulations. An inquiry into Article 139 of the Contract Law of the People's Republic of China shows that the creditor has the right to require the debtor to bear liability for breach of contract and to assert its rights within a reasonable period. If the creditor fails to claim its rights within a reasonable period, the court may determine that it has given up its intention to claim its rights based on the specific circumstances.