ICBC credit card is considered overdue if it is ten minutes overdue. Overdue ICBC credit card refers to the situation where the cardholder has not repaid the minimum payment amount or paid off the bill balance after the deadline of the repayment date. One minute overdue is also overdue, so an ICBC credit card is overdue for ten minutes. Overdue repayment of ICBC credit cards will incur corresponding overdue fees and interest, and will affect the cardholder's credit record. If the cardholder fails to repay before the deadline of the repayment date, ICBC will remind the cardholder to repay through text messages, phone calls, etc. If the cardholder still fails to repay, ICBC will submit the cardholder's account to a collection agency for collection. Therefore, cardholders should repay their loans on time to avoid unnecessary fees and interest due to late repayments, while also protecting their credit history.