Overdue credit cards are the bane of bad credit records of cardholders. Since ICBC does not provide "time tolerance" service, it is even more necessary for ICBC credit card holders to remember the repayment date of their credit cards, and not to discredit their credit information because of temporary negligence.

ICBC's credit card is overdue by one day.

Many cardholders will inevitably encounter the situation that ICBC's credit card is overdue by one day. So, does a credit card overdue for one day have an impact on credit reporting? What can I do to make up for it in time?

Under normal circumstances, a credit card overdue for one day will not affect the credit investigation. Cardholders should pay off their debts as soon as possible when they find that they are overdue, and call ICBC customer service number 95588, or directly call credit card VIP hotline 4006695588 to explain the reasons for overdue.

In order to ensure that the credit card is overdue for one day, it will be more practical for cardholders to log in to the Credit Information Center of the People's Bank of China and inquire about personal credit information records.

Consequences of overdue ICBC credit card

According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. Many people don't know what to do if ICBC's credit card is overdue for one day. Generally speaking, whether there will be bad records depends on when ICBC uploads the customer's consumption records. If you can repay before uploading, there will be no bad record.

It should be noted that general credit cards that are overdue for three months in a row, or overdue for more than six times in total, will be blacklisted by banks and recorded in personal credit card reports, resulting in bad credit records.

As the "first line in the universe" credit card in the eyes of netizens, ICBC has a high cost performance. Although the overdue "time tolerance" service is not provided, the calculation of overdue interest is very user-friendly and adopts the method of non-full interest calculation.