Yes, cardholders can go to ICBC outlets to negotiate with their bank cards and ID cards, but the chances of success are not great, because most banks do not accept personal consultation, and consultation not only takes time, but also requires cardholders to have professional legal knowledge and personal ability. If the amount of arrears is relatively small, it is recommended not to negotiate and pay off the arrears at one time. If the amount owed is relatively large, you can try to contact the bank for negotiation. Only when the cardholder fully expresses his willingness to repay and proves that his repayment ability is insufficient will the bank consider it.

Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time. Overdue interest will be generated, which will affect the credit information, and in serious cases, it will be prosecuted by the court and imprisoned.

The consequences of overdue repayment of credit cards are serious, and overdraft consumption should be moderate. Although the biggest feature of credit card is overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to repay at maturity may not only cause legal disputes, but also bear high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.

Credit cards have two concepts: billing date and repayment date (also known as the last repayment date).

Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect.

The repayment date is mainly used by banks to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank.

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account.

When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.