ICBC's credit card is overdue for half a year, and the freeze caused by overdue can't be unfrozen, so you can only cancel it, because you have been listed as a prohibited customer by the bank. Under normal circumstances, if there are still unpaid bills or excess overpayments in the credit card, it can't be cancelled successfully. For the case that ICBC's credit card is cancelled and cannot be repaid, it should be that the customer is overdue for a long time, and the arrears even become bad debts. Therefore, when the customer repays later, he may be prompted that the card has been cancelled, showing the status of "cancellation of bad debts".

if the credit card overdue payment indicator card has been cancelled, the customer had better call the issuing bank and ask the staff about the situation. Because banks don't cancel customers' cards for no reason, they usually have to apply to the bank for cancellation before the bank cancels the cards. Moreover, it is impossible to cancel the card successfully in the case of overdue arrears. The card cannot be cancelled successfully until there is no overdue debt and no overpayment.

In this case, customers are advised to bring their cards and personal ID cards to the card issuer to inquire about the specific amount, and repay the arrears by depositing or transferring the original card number at ICBC outlets. Don't think that since the display card has been cancelled, you don't have to pay back the money you owe, or the consequences will become more and more serious if you keep overdue. At that time, not only will there be more and more penalty interest, which will lead to an increase in repayment pressure, but personal credit will also be seriously damaged. Later, going to apply for credit cards and loans may also be hindered by credit problems.

It should be noted that some customers may think that the overdue bad information recorded in the credit information can be eliminated as long as they pay off the overdue credit card and cancel it. In fact, it is impossible. Generally, it will take at least five years for the customer to be deleted by the system after paying off the overdue debt (but as long as more good credit is accumulated later, the new good record will gradually cover the old bad record).