Overdue credit cards are a minefield that many cardholders don't want to touch. Once personal credit information is discredited, it will affect the future credit behavior of cardholders, and it will be very difficult to apply for credit cards or bank loans. Most banks have a grace period ranging from 2 to 3 days for overdue credit cards, but ICBC is an exception, and it is overdue if it is returned one day late. So, what if ICBC's credit card is exceeded? Because ICBC's credit card has no "time-sensitive" service, the credit card is overdue if it is returned one day late. There are three ways to deal with it: 1. If it is negligent to forget the repayment, the cardholder should pay off the arrears in full at the first time and contact the bank immediately, indicating that it is not malicious overdue. As long as the bank has not reported the overdue records to the People's Bank of China, it will help you eliminate bad records. 2. If the overdue credit card of ICBC has been reported to the credit information system, it should be paid off in full at the first time, and it is destined to contact the bank to explain the situation and request a "non-malicious overdue certificate". If there is a non-malicious overdue certificate, it will have little impact on future credit behavior. 3. ICBC's credit card is overdue, and the bank will not issue a "non-malicious overdue certificate". After paying off the arrears, the cardholder can't cancel the credit card, but should continue to use the card and keep a good record of consumption and repayment. After two years, a good record will cover the overdue record and will no longer affect the credit behavior. It will take five years to completely eliminate bad records. Consequences of overdue ICBC credit card 1. Personal credit information will be affected. After the bad credit record is generated, the cardholder will apply for a credit card or loan again, which is likely to be rejected by the bank. 2. If the overdue amount of ICBC's credit card is huge and it is not returned for a long time, it will constitute malicious overdue and it is likely to be sanctioned by law. What should I do if my ICBC credit card is overdue? The above tips can help you wash it for nothing. The consequences of overdue credit cards are more serious. It is suggested that cardholders should open the automatic repayment function and open the repayment reminder when using credit cards.