First of all, a credit card account that is overdue for three years is a long overdue situation. Under this circumstance, banks usually take some measures to solve the overdue problem. Among them, negotiation by stages is one of the common solutions. By negotiating installments, you can reach an agreement with the bank to repay the overdue amount in several installments, thus reducing the repayment pressure.
Secondly, banks have certain restrictions and requirements on the overdue time and amount. Credit card accounts that are overdue for three years may have entered the legal process, so there may be some restrictions on plans and conditions in the negotiation of installment. Specific restrictions and requirements may be different due to personal circumstances and bank policies. It is recommended to consult the relevant staff of ICBC for specific installment conditions and repayment plans.
generally speaking, if ICBC's credit card is overdue for three years, it can be negotiated to solve the overdue problem by stages, but the specific staging conditions and repayment plan need to be determined according to personal circumstances and bank policies. When negotiating with the bank for staging, you should know the relevant policies and requirements in advance and operate according to the bank's guidance.
Extended information:
Credit card overdue refers to the situation that the cardholder fails to repay the loan on time within the specified repayment period. Overdue repayment will have a negative impact on personal credit records and credit scores, and may also lead banks to take legal measures to recover arrears. Therefore, if the credit card is overdue, it is very important to communicate with the bank in time and find a solution.
negotiated installment is a common and flexible repayment method. During the negotiation of installment, you can discuss with the bank the specific conditions of installment, such as the number of installments, repayment amount, interest, etc. Through negotiation and installment, the overdue amount can be spread over a long period of time, reducing the repayment pressure and having the opportunity to gradually pay off the arrears.
It should be noted that banks may have different handling methods and policies for overdue, so the specific negotiation staging conditions and schemes may be different. When negotiating with the bank, it is necessary to prepare relevant materials and certificates, and actively cooperate according to the requirements of the bank.
In short, ICBC can negotiate the installment of the overdue credit card for three years, but the specific installment conditions and repayment plan need to be determined according to personal circumstances and bank policies. It is suggested to contact the bank in time and consult relevant personnel to understand the specific staging requirements and solutions, so as to better manage overdue problems and restore a good credit record.