There are many reasons why credit cards are overdue. Many card friends forget to repay because of carelessness, and card friends are overdue because of the annual fee. The major credit card forums and post bars are discussing this question: Will the overdue annual credit card fee of ICBC affect credit reporting? Let me give you an answer.

If the annual fee of ICBC's credit card is overdue, it will not affect the credit investigation.

It used to be said that ICBC credit card is a special case and there is no time tolerance service. Credit cards are recorded as overdue once they are not repaid in time on the repayment date. However, in order to provide cardholders with a more relaxed repayment policy, most of ICBC's credit card products now have a three-day repayment grace period. Repayment after the specified repayment date is regarded as normal repayment and will not affect the credit investigation.

If the annual fee of ICBC's credit card exceeds the repayment grace period, then the record is overdue, which will affect personal credit information.

The annual credit card fee is an expense that the cardholder must bear, unless the cardholder meets the exemption conditions of the annual credit card fee or the credit card enjoys the unconditional right to exempt the annual credit card fee. If the credit card generates an annual fee and is included in the bill, the cardholder fails to repay it on time, which means that the credit card is overdue, the bank uploads it to the central bank overdue, and the credit information is discredited.

According to experienced card friends, the overdue annual fee of ICBC's credit card affects credit information, and bad credit information records can be eliminated through objection application. The specific steps are as follows:

1. Pay off the annual fee first, or don't pay it back, and ask for a reduction or exemption on the grounds that the annual fee of the bank is not in compliance with the regulations, or that the fee has not fulfilled the obligation of informing and the service is not in place;

2. Make a personal credit report at the People's Bank of China;

3. Apply for objection (firm attitude);

Ps: Description of objection application: The customer denies that it is overdue. The overdue shown in the letter is due to the overdue of pure expenses (annual fee), not the overdue caused by my active consumption transaction. I will repay it in time after I find out.

4. I can receive a reply from the credit information department of the People's Bank of China within 7 days;

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