Hello, regarding the issue of the ICBC credit card being overdue for 90 days, here is the detailed explanation of my answer:

1. The ICBC credit card is overdue for 90 days and I owe more than 3,000.

2. Explanation of points:

a. First of all, due to your continued financial constraints, you are unable to repay on time, resulting in overdue credit card debt;

b. Secondly, ICBC sent you a text message based on your overdue situation, requiring repayment within three days;

c. ICBC said that your behavior was suspected of being illegal, which may mean that overdue credit cards are a breach of contract. rather than specifically referring to criminal offences.

3. Summary:

According to the text message sent by ICBC, your behavior was deemed illegal because your overdue repayment violated the credit card agreement signed with ICBC. contract. ICBC requires you to repay within three days because it hopes that you will pay off your debt as soon as possible to avoid further legal risks.

4.

Extended information:

Overdue credit card is a civil breach of contract and has nothing to do with criminal offenses. According to Chinese law, late repayment by a credit card holder is a breach of contract, and banks have the right to take certain legal means to recover the arrears, such as court litigation, enforcement, etc. Therefore, you need to contact ICBC as soon as possible to learn about detailed repayment methods or negotiate a solution to avoid further legal disputes.

The above is the answer to the question about ICBC credit card overdue for 90 days. I hope it will be helpful to you. If you need further information, please contact ICBC promptly and consult relevant professionals.