According to the agreement of the authorized bank, ICBC's credit card offset right has no fixed time. Now many people have bank cards, and some people like to use ICBC's bank cards and ICBC's credit cards, but there may be some problems when using them, so many people are concerned about the fixed time of ICBC's credit card offset right.

First, the fixed time of ICBC's credit card offset right is uncertain.

The fixed time of ICBC's credit card offset right is uncertain. However, it will deduct money from the account opened by the cardholder in the branch of ICBC. If necessary, the bank has the right to ask the judicial authorities to investigate, so that the cardholder can bear certain legal responsibilities and may take other recourse measures. When everyone is waiting for the bank to offset their rights, it must be overdue and it will take a long time. In this regard, when the ICBC account has money, it is best to pay it back quickly. If the bank goes to judicial settlement, everyone will not only pay back the money, but also be fined, which will have a great impact on everyone's future development.

Two, ICBC credit card can directly deduct the right to offset.

Generally speaking, according to the regulations on the credit card, the applicant should repay the arrears within the prescribed repayment period, and stipulate through letters and judicial channels that the ICBC card issuer can collect the money by itself or entrust other units to collect it. However, if the payment is not made after collection, ICBC card issuers can choose some measures to deduct money, such as stopping using the card, exercising the pledge right, or deducting money from the account set up by the credit card applicant in any branch of ICBC.

Three. Realization of credit card offset right of ICBC.

When the ICBC credit card holder fails to repay the loan, ICBC can exercise its right, that is, the right of set-off. Not only can you deduct money from other banks, but you can also apply to the court for compulsory execution, so that borrowers can make compulsory repayment. This will have a great influence on everyone. Therefore, although ICBC's credit card has no fixed offset date, repayment is necessary.

From the above analysis, we can see that the fixed time of ICBC's credit card offset right is uncertain, and it is generally implemented according to the contract. In the process of implementation, banks also have many means, so it is necessary for ICBC credit card holders to repay, otherwise it may have a great impact on themselves, not worth the candle.