The ICBC credit card repayment has been overdue for one year and has been sued. The solution is as follows:

1. Find ways to raise money to repay as soon as possible. You can borrow money from relatives and friends to repay, and then pay it back in one go. Clear;

2. Contact the bank to explain the overdue situation and seek interest-free installment opportunities;

3. Work hard to increase income and reduce unnecessary expenses;

4. Arrange debts and plan repayments reasonably.

Under normal circumstances, banks adopt the principle of "three in a row leads to six" to deal with the problem of overdue credit cards. If the person is overdue for three consecutive months or six months in total, the bank will carefully consider this person's loan. Applying for a loan is generally not easy. If it is overdue and does not fall within this range, as long as you give a reasonable explanation and provide other personal credit certificates and let the bank re-evaluate your personal credit, you can still successfully obtain loan approval.

In order to avoid overdue repayment and disputes with the bank, you can make the following choices when you still have no credit card:

1. Call customer service as soon as possible to negotiate an extension of repayment.

General banks allow cardholders to call to apply for a deferment of repayment, and the deferment period is usually one week. So, as long as you pay the money back within the deferment period, you can avoid paying late fees.

2. You must pay the minimum repayment amount first

Each bank will set a minimum repayment amount for credit card holders. As long as the cardholder can repay this minimum repayment amount, amount, then the bank will neither charge late payment fees nor affect the cardholder's personal credit. Typically, the minimum payment is 10% of the bill amount.

3. Change the final repayment date

If your last repayment date happens to be when you are tight, you may wish to negotiate with the card issuer to change your repayment deadline.

If the cardholder fails to repay in full after the due payment date and does not choose the minimum repayment amount, he may face the following measures taken by the bank:

1. Consumption The money no longer enjoys interest-free repayment treatment. The card-issuing bank will calculate interest on a daily basis based on the consumption amount as the principal from the day the consumption occurs. The daily interest rate is 0.5% and compound interest will be charged on a monthly basis. For the unpaid portion of the minimum repayment amount, a 5% late payment fee will also be charged on a monthly basis. .

2. Receive a reminder call and letter from the card-issuing bank.

3. If the credit card account is frozen by the card-issuing bank, the debt record may be fed back to the People's Bank of China's personal credit system, affecting the cardholder's personal credit record and causing the cardholder to be unable to apply for a housing mortgage loan normally. .