Detailed description:
1. Banking regulations: According to the regulations of China Industrial and Commercial Bank on the use of credit cards, overdue repayment means that all or part of the payable amount has not been returned at any time after the repayment period.
2. Definition of the Convention: Under normal circumstances, two days' overdue repayment is regarded as overdue. Even if it is only one day late, ICBC will consider it overdue.
3. Impact: Overdue credit cards will have a negative impact on personal credit records. Banks have the right to report overdue cases to individual credit reporting agencies, which may lead to the decline of personal credit records and adversely affect future loan and credit card applications.
4. Risk: Overdue repayment will also lead to late payment fees and penalty interest, which will increase the credit card consumption cost.
Summary:
According to ICBC's credit card usage regulations and customary definitions, overdue repayment for two days belongs to overdue credit card. Overdue repayment will have a negative impact on personal credit history and bring extra expenses. It is recommended to repay the loan in time to avoid overdue situation.
Extended data:
1. Credit card repayment period: Generally, at some time after the bill date, you can check the specific date on the credit card bill.
2. Overdue repayment fee: the bank will charge late fees and penalty interest according to the overdue time and amount. Please refer to the credit card agreement or consult ICBC customer service for the specific amount and calculation method.
3. Credit record: Personal credit record is an important reference for banks and other financial institutions to evaluate personal credit status. A good credit record helps to obtain a higher credit line and a lower loan interest rate.
The above is the answer to whether the repayment of ICBC's credit card is overdue for two days and the impact and risk caused by overdue. It is suggested to pay attention to the credit card repayment period and make timely repayment to avoid overdue situation. For more information, please consult the customer service department of ICBC.