Media-free credit card of China Industrial and Commercial Bank refers to the credit card that users apply for only with card number and no physical card. This credit card has the same function as a physical credit card. Generally, it needs to be bound to mobile banking and third-party platforms, and it must be returned on time after use, and there can be no overdue situation.

After using the media-free credit card, ICBC can also apply for installment repayment or minimum repayment amount, which can reduce the monthly repayment amount and avoid overdue. However, when using credit card to repay by installments, you must reach the minimum monthly consumption limit stipulated by the bank, and you can return it in advance after installments.

It should be noted that overdue credit cards will upload credit information, which will affect subsequent loan applications, such as car loans or mortgages. Moreover, after the arrears are returned, the overdue records will be kept for 5 years and disappear automatically after 5 years.

In order to prevent credit cards from being returned on time, users should know in advance what kind of income they are using when using credit cards. If your personal income is not much, you should use it carefully at this time. In fact, you can borrow money from friends around you when you can't return it on time, and you can also avoid overdue.