First of all, ICBC's credit card overdue for two months is a breach of contract, which may have certain consequences. But the situation may be slightly different because the minimum repayment amount has been paid.
Secondly, overdue repayment will lead to damage to credit records. Banks will submit overdue records to credit reporting agencies, which may affect personal credit scores. This may bring some inconvenience to applying for financial services such as loans and credit cards in the future.
In addition, overdue repayment will also generate penalty interest and late payment fees. The bank will calculate the penalty interest according to the interest rate agreed in the credit card contract, and charge a late fee according to a certain proportion within the overdue period. Therefore, even if you have paid the minimum repayment amount, you still need to bear the corresponding expenses.
To sum up, although the minimum repayment amount has been paid, we still need to pay attention to the negative impact of overdue repayment on personal credit records, and may generate additional penalty interest and late payment fees. It is suggested to pay off all debts as soon as possible to avoid further economic losses and credit damage.
Extended data:
Regarding the handling of credit card default, the specific provisions may be different according to bank policies. Generally speaking, overdue repayment will trigger a series of penalties, such as reducing the amount, freezing the card, and recovering the money through legal means. Therefore, good credit habits and timely repayment of debts are very important and help to maintain a good personal credit record.
I hope the above answers are helpful to you! If you have any other questions, please feel free to ask me.