Solutions for owing money on ICBC credit cards:

1. If you have the financial resources but simply forget to repay due to negligence, the cardholder should contact the bank in time to resolve the issue. After all the debts are paid off, the true situation of non-repayment will be explained. If your credit is good and the overdue time is not long, ICBC will eliminate your overdue record.

2. If the overdue time is too long and the bad record has been recorded by ICBC, after you pay off the debt, you should continue to use the bank's credit card and maintain good credit. After two years, Your good record will overwrite the bad record and you can continue credit activities. Bad records can be completely eliminated after five years.