Repayment can be negotiated after the ICBC credit card is overdue for three years.

1. Three years after the ICBC credit card is overdue, you can still repay through negotiation.

2. Depending on your specific circumstances, you can try the following points to negotiate repayment:

a. Contact the ICBC credit card customer service department, express your willingness to repay during the communication, and Provide a detailed description of your personal financial situation.

b. It may be necessary to provide relevant financial certification materials, such as income certificate, asset status, etc., so that the bank can evaluate the individual's repayment ability.

c. Based on the negotiation results, you can try to formulate a reasonable repayment plan to gradually repay the debt while ensuring normal living expenses.

3. Summary: Three years after the ICBC credit card is overdue, there is still the possibility of repayment through negotiation. However, the outcome of the negotiation will be determined based on personal financial status, willingness to repay, and communication with the bank.

4.

Extended information: Overdue repayment of ICBC credit cards will incur late fees and may have a negative impact on personal credit records. Therefore, when repayment difficulties arise, it is recommended to contact the bank for negotiation as soon as possible to avoid further expansion of the debt problem.

The above is the answer to whether the repayment of an ICBC credit card overdue for three years can be negotiated. The specific situation may vary depending on personal circumstances and bank policies. It is recommended to communicate with the bank's customer service department in detail based on the actual situation.