If your ICBC credit card is overdue, please repay it as soon as possible. The impact of overdue repayment of ICBC's credit card is as follows:

1, if it is a credit card, if the minimum repayment amount is not paid before the due repayment date (inclusive), it will be considered overdue, and there will be corresponding liquidated damages in addition to interest (liquidated damages = unpaid portion of the minimum repayment amount ×5%). It is recommended that you repay in time or sign an automatic repayment agreement before the repayment date, so as not to affect your personal credit.

2. If it is a quasi-credit card, the overdraft will be charged at the daily interest rate of 0.5 ‰. The maximum overdraft period is 60 days. If it is not returned after more than 60 days, it shall be deemed as overdue. (Answer time: July 3, 2020. In case of business changes, please refer to the actual situation. )

Second,

1. If it is a quasi-credit card, the longest overdraft period is 60 days. If it is not returned for more than 60 days, it shall be deemed as overdue;

2. If it is a credit card, if the minimum repayment amount is not paid before the due repayment date (inclusive), it will be considered overdue, and there will be corresponding liquidated damages in addition to interest (liquidated damages = unpaid part of the minimum repayment amount ×5%). It is recommended that you repay in time or sign an automatic repayment agreement before the repayment date, so as not to affect your personal credit.

3. Tips: 1. If there are difficulties in repayment at present, you can repay the minimum repayment amount or apply for installment payment first; 2. Chejia Credit Card, ICBC Anbang Credit Card, ICBC World Struggle Credit Card and Cosmos Constellation Credit Card can enjoy a 3-day repayment grace period ~

Three,

1, savings card: Beijing, Ningbo and Xiamen can handle the card replacement business without changing the number, and other regions will gradually open with the business demand. It is recommended to consult with nearby outlets. Credit card: the original card number cannot be retained for the replacement card for loss reporting.

2. If the card is used for receiving salary, it is suggested that you contact the relevant department of the unit to change the card number in time. If the card has not been reported lost, I suggest you handle it as soon as possible. Tips: When changing cards, you can enable the "worry-free card change" function together, and some services can be automatically migrated to new cards. (Answer time: August 2020 19. In case of business changes, please refer to the actual situation. )

Four,

Harm of overdue credit card of ICBC

1. Payment of late payment fee and overdue interest: Failure to repay the credit card after overdraft is a breach of contract, and the bank may require the cardholder to repay the principal, overdue interest, late payment fee and overdue fee.

2. Bad credit record: overdue repayment will leave a bad credit record for the cardholder and affect the smooth progress of the cardholder's future loan.

3. Bear criminal responsibility: If the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, he shall also bear criminal responsibility.

Five,

How to recover overdue frozen ICBC credit cards?

1, whether the credit card can be unfrozen after being frozen depends on your negotiation with the bank. Generally speaking, if the bank freezes your credit card, it means that you have overdue it more than once or twice. In this case, the bank will think that the cardholder is no longer a qualified cardholder, and continuing to provide credit card overdraft service is likely to cause greater bad debts. Even if the cardholder pays the arrears later, the bank will think that the cardholder has the intention of malicious overdraft, and the repayment may be overdue in the future, so even if the frozen credit card is paid back, it is rarely unfrozen.

Six,

1. Finally, if you need money urgently, I suggest you choose a big brand loan, with transparent interest and fees, and at the same time ensure the security of your information. "Qianhua" is the original Baidu financial credit service brand (formerly known as Baidu Qianhua). Its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model.

2. Relying on the advantages of Baidu technology and scenarios, "Qianhua" uses artificial intelligence and big data risk control technology to provide users with convenient, fast and safe Internet credit services. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. I hope this answer is helpful to you. Click on the bottom of the phone to measure the amount immediately. The maximum loan amount is 200,000 yuan.

Seven,

1, the minimum repayment amount of ICBC's credit card is 10% of the bill amount. After repayment according to the minimum amount, the daily interest shall be calculated according to the balance of the bill until the principal and interest are paid off. Calculation method of minimum repayment amount of ICBC's credit card: minimum repayment amount = unpaid part of minimum repayment amount of previous bill+overdraft balance of current bill * 10%.

If repayment is made according to the minimum repayment amount before the due repayment date (inclusive), the card issuer will only charge overdraft interest at the rate of 0.5 ‰ per day for the unpaid part from the bank bookkeeping date to the repayment date.

2. After you select the minimum repayment amount on the ICBC credit card, you will not enjoy the interest-free repayment treatment. The minimum repayment amount of ICBC's credit card includes: the sum of the unpaid part of the minimum repayment amount of the previous bill and the overdraft balance of the current statement date 10%.

Repayment beyond the grace period is deemed overdue: interest is 0.05%, and there is a late fee. Overdue repayment will not only bring you serious property losses, but also affect your credit, so I suggest you not to be overdue, use your credit card reasonably and repay on time.

Consequences of breaking a promise

1, the release of "Lao Lai blockbuster" increased exposure.

LED large-screen exposure, network exposure, public transport media exposure, and even cinema circulation.

2. Customize Lao Lai's exclusive CRBT.

In order to jointly punish Lao Lai, Luoyang, Enshi, Wuhu and other courts reached an agreement with local communication operators to formulate Lao Lai's exclusive color ring back tones. When the mobile phone calls, the other party will hear the "special reminder from Lao Lai" and will urge the caller to fulfill the repayment obligation as soon as possible.

3. The whole network inquired about assets, and the balance of Alipay was frozen.

The people's court has the right to inquire about your personal assets. The court in Huangdao, Kunming, conducted a network-wide asset inquiry on a dishonest person, and found that there were more than RMB 65,438+10,000 in the Alipay account with real name authentication. Immediately, the court handed over the Financial Statement of Assistance in Freezing to Alipay headquarters and obtained cooperation, and successfully frozen its assets in Alipay.

4. WeChat reward announcement

Guangzhou Intermediate People's Court uses new media means such as WeChat platform to release the information of "Lao Lai", which helps to further solve the "implementation difficulty". Last year, a total of 38 executive reward announcements were issued, involving an amount of 247 million yuan. Recently, WeChat friends circle advertisements have also begun to expose "Lao Lai" and use big data.