ICBC credit card penalty is non-refundable.

ICBC credit card liquidated damages refer to fees charged by ICBC in accordance with relevant standards if the cardholder fails to repay the loan according to the specified repayment date. Usually, it will be charged at 5% of the unpaid portion of the minimum repayment amount. Generally, the maximum liquidated damages per period shall not exceed 500 yuan, or it shall be charged as stipulated in the signed agreement.