When the ICBC credit card is overdue for 45 days and the bank entrusts a third party to collect the debt, you can take the following steps to handle it:

First, contact the bank and the third-party collection agency in a timely manner to learn more situation and confirm collection matters.

Secondly, negotiate with the collection agency to formulate a repayment plan, try to reach an agreement, and ensure that the repayment obligations can be fulfilled on time. You can propose a reasonable repayment plan based on your own financial situation and repayment ability.

Third, work hard to raise funds and pay off the debt on time according to the negotiated repayment plan. You can consider adjusting your living expenses, finding additional sources of income, or seeking help from relatives and friends to solve the problem.

To sum up, when dealing with the situation where an ICBC credit card is overdue for 45 days and the bank entrusts a third party to collect the credit card, the key is to contact the bank and collection agency in a timely manner and work with them to formulate a reasonable repayment plan. At the same time, we must actively work to raise funds and fulfill our repayment obligations on time. This can better solve problems and reduce unnecessary trouble and losses.

Extended information: In order to deal with overdue credit card issues, banks often entrust third-party agencies to collect collections. These collection agencies are legally operating agencies and are responsible for contacting overdue customers and negotiating reasonable repayment plans. Collection agencies use a variety of methods to collect debts, such as telephone notifications, door-to-door collections, etc. Overdue customers should actively cooperate with the collection agencies in order to solve the debt problem as soon as possible and maintain personal credit records.

The above are the suggestions and methods for dealing with ICBC credit cards that are overdue for 45 days and the bank entrusts a third party to collect. Hope this helps. If you have any further questions, please feel free to ask.