It is difficult to pass.

1. As a state-owned bank, ICBC has relatively strict risk control requirements for credit cards.

2. If a cardholder is unable to repay his credit card bill due to some unexpected circumstances and wants to negotiate personalized installment services with ICBC, he must meet the following conditions.

3. First of all, the cardholder's ICBC credit card must be overdue for more than 3 months, and the credit card bill has seriously exceeded the cardholder's repayment ability. Secondly, the cardholder needs to have a good willingness to repay the loan and a certain stable financial source. In this case, the cardholder can call ICBC to negotiate repayment.

1. When negotiating repayment, cardholders need to pay attention to some negotiation skills. The cardholder must propose a negotiated amount acceptable to both parties, which will increase the bank's room for retreat and adjustment. Cardholders should prepare documents proving that they are currently having difficulty repaying their loans but still have some ability to repay, and then request an interest exemption from ICBC. If ICBC rejects the cardholder's request for negotiated repayment, the cardholder can directly contact the China Banking and Insurance Regulatory Commission to appeal. However, this process usually takes a long time. During this period, ICBC's collection staff will still continue to collect the money.

2. Propose the ideal negotiation amount, so that there will be more room for adjustment. Prepare materials proving your difficulty in repaying the loan, and apply for interest exemption according to the People's Bank of China's management regulations. In principle, for users who are willing to repay but do not have the ability to repay, they can negotiate repayment and formulate a new repayment plan. If ICBC refuses, you can lodge a complaint with the China Banking and Insurance Regulatory Commission. Note that this process is relatively long, and ICBC staff will repeatedly contact, communicate, and confirm. You must stick to your bottom line on the negotiated amount and communicate patiently.

3. On November 21, 2020, the General Office of the China Banking and Insurance Regulatory Commission issued the "Notice on Typical Issues of Some Banking and Insurance Institutions' Loan Assistance Institutions Illegally Raising the Comprehensive Financing Costs of Small and Micro Enterprises", notifying some bank insurance institutions Institutions and loan assistance institutions illegally charge fees that should be exempted or exempted from loans, force bundled sales, charge high service fees and agency fees, and other issues. Some branches of ICBC illegally charge "two prohibitions and two limits" fees such as loan commitment fees, investment and financing consulting fees, etc. from small and micro enterprises.