Details are as follows:
1. Personal credit records will be restored after the credit card expires. As a financial institution in charge of managing credit card business, ICBC will update overdue records and restore its credit rating to normal level after confirming that overdue funds have been paid off.
2. Credit card processing is evaluated according to personal credit records. After overdue repayment, the personal credit rating will be improved, which is conducive to the approval process when applying for a credit card in the future.
3. When applying for a credit card, ICBC may make a comprehensive evaluation according to the individual's credit status and application, including personal income and career stability. , to ensure the rational use of credit cards and risk control.
4. In addition, it is suggested to keep a good repayment record after overdue repayment, so as to avoid the overdue situation again, so as to improve the credit rating and the success rate of credit card application.
Summary: After overdue repayment, individuals can continue to apply for ICBC's credit card. ICBC will evaluate personal credit records and applications to ensure the rational use of credit cards and risk control.
Extended data:
Overdue repayment will have a negative impact on personal credit records, affecting credit rating and credit card application approval. Therefore, paying off overdue payments in time is one of the important ways to maintain personal credit records. At the same time, maintaining a good repayment record is also the key to establishing credit. Individuals can check their credit reports regularly, understand their credit status, and take corresponding measures to maintain and improve their credit rating.
The above is based on the general situation and routine practice of ICBC credit card processing. Specific processes and decisions may be influenced by ICBC's internal policies and personal circumstances. It is suggested that specific problems be analyzed in detail, and consultation should be conducted according to the official channels and relevant policies of ICBC.