If you neglect to pay back, ICBC's credit card will be overdue. If you find that it is overdue, you must repay it as soon as possible, preferably in full. Then call the ICBC Credit Card Center and declare that you have no malice. If the past record is good and the overdue time is short, and the repayment is found to be good after the overdue, it may not be recorded as a bad record.

Moreover, if the repayment is overdue, there are not only late fees, but also personal bad credit records, and you can't apply for credit cards and bank loans for five years. Those who are overdue for more than three months or the bank has failed to repay twice are suspected of credit card fraud and malicious overdraft, which are serious in nature. The bank will sue you and apply for court enforcement.