If there is no minimum repayment option in ICBC's credit card repayment, it is estimated that there is no credit card consumption in the current period and no cash withdrawal in the current period: (1) There is no credit card consumption in the current period, but only the cash withdrawal operation is carried out, so there is no new consumption amount in the bill, only the cash withdrawal amount. The withdrawal amount is fully included in the minimum repayment amount of the bill, and the customer is required to pay it off before the due repayment date (inclusive). Naturally, the minimum repayment cannot be made, nor can it be repaid in installments.

(2) There is neither consumption nor cash withdrawal in this period, and what is recorded on this bill is the unpaid part after the minimum repayment amount of the previous bill; Or poll the payable amount of the current period for the bill that has been divided into installments before. The above expenses are included in the minimum repayment amount of the bill and need to be paid off in full.

Generally, the minimum repayment amount of ICBC's credit card bill is 65,438+00% of overdraft consumption and related interest and expenses, and the sum of 65,438+000% of unpaid installment payment, overdraft cash withdrawal and overdraft transfer, as well as the minimum repayment amount of the previous bill. The version number of China Industrial and Commercial Bank app is: v 6.1.0.9.2; ; Apple version number: v6. 1.0.5. 1.

1. How to negotiate repayment with ICBC's credit card: As long as the borrower maintains a good credit at ordinary times and pays back more or less if he has the ability, the bank will try to answer the collection phone and actively negotiate repayment; When negotiating, you must have a good attitude. Don't be arrogant and don't conflict. You can think of several repayment plans first, and then communicate with the other party, provided that the repayment is guaranteed, but the time may be longer and you can accept additional interest. You can call the bank headquarters first to reflect your personal situation. After the bank staff register, the credit department of the local branch will take the initiative to contact the card owner to inform whether it is possible to carry out the installment.

2. What is the credit card limit of ICBC?

Ordinary ICBC credit card: the amount is below 1 10,000 yuan; Icbc credit card gold card: the amount is between 1 10,000 yuan and 50,000 yuan;

ICBC Credit Card Platinum Card: The amount is between 50,000 -65438+ 10,000 yuan.

If you have used the ICBC credit card for more than half a year, and there is no bad record during the use period, the cardholder can apply to ICBC for withdrawal, and the bank will judge whether to approve the withdrawal according to the cardholder's credit card usage.