Need. The overdue negotiation of ICBC's credit card to repay the principal needs to be repaid to the bank before consideration. Because if the credit card returns a lot of interest after the deadline, the bank will definitely need to repay the principal first, and then lower the interest rate according to the personal situation to repay it. But if the credit card doesn't come back, the bank will refuse to return it accordingly. Of course, this is very rare. In the end, customers who don't change money will be blacklisted, and personal credit will be problematic. Investment is risky, please make a careful decision.