Do you want to know the consequences of being one day late?

ICBC credit card does not have a "time tolerance" service. It does not have a repayment grace period like most banks. It does not have these services, so once your ICBC credit card is not in If you pay off the balance when it is due, it will be considered overdue.

Because ICBC does not provide a grace period for repayment, it will be affected as long as your ICBC credit card is overdue, even if you are only overdue for one day. First of all, if you are overdue, ICBC will start to calculate interest and late payment fees, with an interest of 0.5% per day. Until you pay off the debt, you will also need to pay a late payment fee of 5%. Moreover, being overdue will affect your personal credit and result in a bad credit record. Moreover, if you are overdue, the bank will report your bad credit record, which will affect your credit report. Generally, ICBC credit cards will be reported to the credit report after three days of overdue, and personal bad credit records will be retained for 5 years. During these 5 years Your banking business will be affected to a certain extent. Therefore, the impact of overdue credit is very serious. For those who have a commercial credit card that is one day overdue, all they can do is pay off the balance as soon as possible. However, you can also try to call the bank and explain to the bank staff the reason for late repayment. The bank may be "lenient".