Repayment five days overdue will have an impact on the credit of ICBC customers. First of all, in terms of personal credit history, late repayments will be recorded in the personal credit report, which will have a negative impact on the personal credit rating. Secondly, late repayments may cause banks to be more cautious in approving customers' loans, or even refuse to provide loan services. In addition, late payments may also result in the borrower needing to pay additional late fees or interest. In short, late repayment will have a negative impact on the credit of ICBC customers, and late repayment should be avoided as much as possible.

The impact of late repayment on credit is mainly reflected in the following points. First, negative information on a person's credit history will be recorded in the credit report, which may lead to a decline in credit rating. Second, banks will check personal credit reports when approving loans. Late payments will have a negative impact on the loan application and may result in the loan being rejected or obtaining a higher interest rate. Third, late payment may require late fees and high interest, which increases the repayment burden. Therefore, it is very important to make timely repayments to maintain a good credit history and credit rating.

In short, late repayment by 5 days will have a negative impact on the credit of ICBC customers. Personal credit history will be damaged, which may lead to difficulties in loan application, increased interest rates and other consequences. Therefore, repayments should be made on time to avoid overdue situations in order to maintain a good credit record and credit rating.