1. ICBC credit card holders can enjoy interest-free treatment by repaying all the due amount before the bank bookkeeping date and before the due repayment date (inclusive), which is called interest-free repayment period; The due repayment date of ICBC credit card is generally 25 days after the bill date (subject to the bill display). The bill statement of ICBC credit card can be revised once a year. Currently, the available billing reports include None. 1 and no. 8-26.

2. If the cardholder fails to repay in full (only the minimum repayment amount and above) before the due repayment date, ICBC will charge a certain amount of cyclic interest (the repaid amount can still enjoy the interest-free period), but it will not affect the personal credit record; The minimum repayment amount of ICBC's credit card is 65,438+00% of the sum of the minimum repayment amount of the previous bill and the overdraft balance of the current bill, unless otherwise agreed between the card issuer and the cardholder.

3. If the cardholder fails to repay before the due repayment date or the repayment amount is lower than the minimum repayment amount, ICBC will charge a certain amount of circulating interest and late fees for the unpaid amount during this period, and leave a stain on the personal credit record.