1. ICBC's one-day overdue credit card has no effect on credit investigation. Under normal circumstances, ICBC credit cards will have a three-day grace period for repayment. If the repayment exceeds the grace period, it will be uploaded to the credit information. If the repayment is made within the grace period, it will not be recorded in the credit information. ICBC credit cards generally have a repayment grace period of 3 days. If they are overdue for one day after the repayment grace period, they will be uploaded to the credit information, and the overdue situation of "1" line will be recorded in the credit card usage status of the month; If it is overdue one day after the final repayment date and before the repayment grace period, as long as it is repaid in time, it will not be overdue, and it will not affect the credit investigation.

2. ICBC credit cards can enjoy a 3-day repayment grace period except Car Plus Credit Card, ICBC Anbang Plus Credit Card, ICBC World Struggle Credit Card, Cosmos Constellation Credit Card, and other credit cards have not been repaid after the repayment date, which will affect the credit record. Similarly, these credit cards with a three-day grace period for repayment, which have not been repaid after three days, will also affect the credit record. Usually, if your credit card is overdue, ICBC will report it to the Credit Information Center of the People's Bank of China. If you find that your credit card is not repaid on time, you must repay it immediately, and then call the ICBC Credit Card Center to declare that it is not a malicious debt. If you have a good credit card use record before, and the overdue time is relatively short, and the repayment situation is good after the overdue, ICBC will generally not record your bad credit, but you must repay it on time in the future.

third, once an individual makes a credit inquiry, it will lead to bad credit. At this time, if there are mortgages and car loans, it will be difficult to pass, and the credit card quota will also be greatly affected. Malicious overdue, the past credit card repayment is not timely, resulting in long-term overdue or overdue amount is large, overdue times are more; The student loan applied for during the university period was not repaid in time, resulting in more overdue times or longer overdue time; Malicious overdue caused by failure to repay other loans in time, and so on. Malicious overdue is the most common situation that affects loans.