Bring your ID card to the ICBC counter to apply! Although the credit card is invalid, but you really have a debt, the sooner you pay the better, remember to keep the repayment receipt! If your credit card is long-term If the account is closed due to overdue, interest will accrue from the verification date to the actual repayment date. Please go to the card issuer with your card and valid ID to check the exact amount owed, repay the arrears through deposit or transfer, and handle Follow-up business.

Inquiries about the repayment amount and handling subsequent business need to be handled by the card issuer. Only the repayment operation can be handled at any business outlet in this place using the original canceled card number.

1. Credit card repayment

1. Credit cards generally have a grace period of three days after the repayment date. Repayment within the grace period is deemed to be repayment on time;

2. If you pay the minimum repayment amount, the daily interest will be calculated at 0.05%, starting from the date of consumption;

2. If the repayment exceeds the grace period or the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be considered overdue, and the daily interest will be 0.05%. A late payment fee of 5% of the repayment amount will be charged on a monthly basis.

2. ICBC credit card is the credit card with the highest circulation in China. Currently, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit card, it is divided into: Peony Visa Card, Peony MasterCard and Peony Express Card are divided into: Platinum Card, Gold Card and Ordinary Card according to the credit rating; they are divided into business cards and personal cards according to the issuing objects, among which personal cards are divided into primary cards and supplementary cards.

3. Overdue credit cards will cause the following adverse consequences:

1. Bear overdue interest and late payment fees:

Once a credit card is overdue, the bank will charge the cardholder People charge overdue fees, and overdue fees are usually calculated based on compound interest. If you are overdue for 3 months, then there must be a lot of overdue fees;

2. Bad personal credit:

Overdue credit card It will affect the personal credit report. If it is overdue for three months, the overdue record will be uploaded to the personal credit report. If the credit report is bad, future credit card or loan applications may be rejected;

3. Sued by the bank:

After the borrower commits overdue behavior, if the borrower still fails to repay the loan for more than 3 months after being called upon by the bank twice, the bank has the right to sue the cardholder for malicious overdraft. If the amount reaches 50,000 yuan, once the court determines that the user has maliciously overdrafted, the cardholder may also bear criminal liability.