95588 is the phone number of ICBC and will not lie. 95588 is the 24-hour national service hotline of Industrial and Commercial Bank of China. If you have a credit card debt, the bank will demand payment. This is a normal phenomenon. Generally, in this case, you can first ask your husband if he owes any credit cards. You can go to the bank counter with your ID card and ask clearly to avoid any worries.

Industrial and Commercial Bank of China (INDUSTRIALANDCOMMERCIALBANKOFCHINA, referred to as ICBC, ICBC) was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. It is a large state-owned bank organized and managed and a national deputy ministerial level unit. The basic mission of ICBC is to raise social funds through domestic and foreign financing activities in accordance with national laws and regulations, strengthen credit fund management, support enterprise production and technological transformation, and serve my country's economic construction.

The consequences of not repaying a credit card overdraft:

1. Call

Call refers to the failure to repay the loan on the last repayment date set by the bank. After the amount is deposited into the credit card account, the bank will use various means to urge you for repayment. The most common ones are phone calls and letterhead reminders.

2. Overdue records

If you fail to deposit the repayment amount (or the minimum repayment amount) into your credit card on the last repayment date specified by the bank, the bank will consider your credit card to be overdue, and the overdue credit card will be included in the personal credit reporting system, forming a credit stain on all banks. All overdue records are exclusive, so if you are continuously overdue in one bank, don’t expect other banks to let you use your credit card, including future applications for home loans, car loans, etc., you will be rejected.

3. Legal Punishment

If the overdue credit card payment is serious or the amount is significant, it will constitute a criminal act such as credit card fraud. According to Article 196 of the Criminal Law, one of the following circumstances applies:

Whoever commits credit card fraud with a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years. and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated.

: What are the consequences of an overdue credit card?

After being sued for an overdue credit card, you can negotiate with the credit card bank to actively repay the debt and ask it to withdraw the lawsuit.

Legal basis: Article 145 of the "Civil Procedure Law" Before the judgment is pronounced, if the plaintiff applies to withdraw the lawsuit, the people's court will decide whether to allow it. If the People's Court decides not to allow the lawsuit to be withdrawn, and if the plaintiff refuses to appear in court without justifiable reasons after being summoned by subpoena, a default judgment may be made.