1. The customer was overdue for a long time, which caused ICBC to cancel the card and the card has become a waste card.

2. When the customer is operating the repayment, the network signal connected to the device is not good; or the system is busy and there is a failure in the background; or the operation speed is too fast, resulting in a timeout.

3. The customer filled in the wrong card number when filling in the payment account number. The system found that the card number did not match the cardholder's name, so the funds would not be transferred.

If you use a credit card and the payment is overdue for a long time, the bank will generally freeze the credit card directly. Therefore, this credit card will not be found temporarily. It is recommended that you take the initiative to call the bank service hotline to negotiate repayment. The bank will not unfreeze it directly, so you need to take the initiative to contact it.

If you want to continue to use this credit card after paying off the loan, it is best not to overdue it, spend actively, repay on time, and accumulate good credit, so that you can apply for credit limit increase and other services in the future. It may be successful, but if overdue payments continue to occur, the bank may completely freeze the credit card or reduce your credit limit.

If you no longer want to use this credit card, you must first pay off the balance and then apply for cancellation, otherwise it will affect your personal credit record. If you want to reapply for a credit card from another bank, it is generally not easy to succeed, because the credit record is stored in the credit reporting system for 5 years. Within 5 years, the bank can only cover the original credit stain with new good credit. Your credit review will only be passed when your credit record is retrieved.

1. Pay late fees and overdue interest: Failure to repay after the credit card overdraft is a breach of contract. The bank can require the cardholder to repay the principal, overdue interest, late fees, over-limit fees, etc.

2. Producing a bad credit record: Failure to repay overdue payments will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loans and other activities.

3. Bear criminal liability: If the cardholder maliciously overdrafts a certain amount for the purpose of illegal possession and fails to repay the amount overdue, which constitutes the crime of credit card fraud, he will also bear criminal liability.

How to recover an overdue frozen ICBC credit card

Whether a frozen credit card can be unfrozen depends on the negotiation between you and the bank. Generally speaking, if the bank has frozen your credit card, it means that you have been overdue more than once or twice. In this case, the bank will consider that the cardholder is no longer a qualified cardholder, and continuing to provide credit card overdraft services may cause greater bad debts. Even if the cardholder later repays the debt, the bank will think that the cardholder has malicious overdraft intentions and may overdue repayments in the future. Therefore, frozen credit cards are rarely unfrozen even if they are repaid.

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