Cardholders can go to ICBC outlets to negotiate with their bank cards and ID cards, but the probability of success is not great, because most banks do not accept personal consultations, which not only takes time, but also requires cardholders to have professional legal knowledge and personal ability.

You can call the account manager of the bank to discuss the repayment, and ask whether the other party can reduce or reduce the interest and expenses incurred, and whether the repayment plan can be re-formulated.