If you don't want to repay the overdue interest of ICBC's credit card, you can call the account manager of the bank to negotiate repayment, and ask whether the interest and expenses incurred by the other party can be reduced or exempted, and whether the installment repayment plan can be re-established. For a long time, the success of the negotiation depends on the decision of the bank. However, in order to improve the probability of successful negotiation, it is suggested that cardholders use some tips.
No matter how long you are overdue, most banks can't just repay the principal. Some banks can, but they must meet certain conditions. For example, the cardholder can provide proof of inability to repay, proof of recent unemployment or illness, indicating that the individual only has the ability to repay the principal. Although different banks have different policies, they will give appropriate accommodation in order to reduce the non-performing rate. If the bank does not agree to repay only the principal, but it is really unable to settle the arrears in one lump sum, it can negotiate to stop repayment by installments, pay part of the interest first, and the remaining arrears will not continue to generate interest, that is to say, the bank will stop calculating all interest expenses for the arrears in the card, and the bank will also stop collection, and at most, no interest will be paid for 60 installments.
The staff will make a comprehensive settlement of your credit card arrears and calculate the relevant expenses such as principal and interest that should be repaid; The staff will ask you to return the current interest and other related expenses, and you will return them at the bank counter with relevant vouchers; After the repayment, the staff will sign a principal repayment plan with you, and choose the number of months to repay the principal and the monthly repayment amount. After signing, it will be returned as agreed in the next month. As for how to negotiate with ICBC to repay the principal of the credit card, the personal introduction skills are as above, hoping to help everyone. Finally, I would like to remind you not to have overdue credit cards as much as possible. You must control your desire and do what you can when spending by credit card.