Under normal circumstances, ICBC requires that overdue credit cards cannot apply for interest exemption, but if the reason for overdue is special, it can be considered. Once this happens, you should have a correct attitude and actively explain the situation to the relevant departments of the Industrial and Commercial Bank of China to strive for interest exemption.

Some people who have experienced it said that usually when the credit card is overdue for more than one year and the cardholder really does not have the money to repay the loan in one go, only in this case can he have the opportunity to negotiate with ICBC to repay the principal of the credit card. At this time, the cardholder and the bank explained their situation in detail, saying that they did not owe the money maliciously, but that the repayment was overdue due to changes in economic conditions, and they negotiated to only repay the principal of the credit card.

If the industrial and commercial credit card is overdue and the user is unable to repay, he or she can apply to ICBC for negotiated repayment. After the user submits the application for negotiated repayment, ICBC will review the specific situation. If the user does not have the ability to repay due to special circumstances such as unemployment, sudden accidental disability, sudden major illness, etc., then ICBC will agree to the user's repayment. Negotiated repayment.

Generally speaking, banks will depend on the situation and will not push too hard for cardholders who are really unable to repay, and may give them a certain buffer period. If the bank collects the debt for a long time and still cannot get it back, the bank will seriously consider the customer's appeal at this time, because the bank will also be afraid that it will not get back a penny.