Although the overdue records are kept for a long time, they go to banks or licensed consumer financial institutions to handle credit business. Banks and licensed consumer financial institutions mainly look at the credit information of customers in the past two years. Therefore, after paying off overdue debts, customers can accumulate good credit and gradually cover the old records with new good records.
Of course, it is best for customers to develop the good habit of paying back on time in peacetime and try to avoid overdue situations. We also need to note that if the credit card or loans overdue is not the customer's own fault, but the bank's, such as the delay in collection, the customer can contact the bank to make a complaint and discuss with the bank not to report the overdue situation to the central bank's credit information system (the credit information update frequency is T+ 1 day).
I. If you don't want to use the ICBC card after activation, you can cancel it at any time and cancel it at the bank counter:
1. Bring valid ID and bank card to the local bank;
2. Get the reservation number from the bank and queue up;
3. Tell the staff to close the account and fill in the relevant application;
4. Give the bank card to the bank staff and submit relevant materials;
5. The cancellation of the bank card is completed.
Precautions:
If the bank card is lost, you need to reissue it first, and then cancel the account. Card replacement requires a card fee;
Bank card cancellation must take out the balance on the card to ensure that there is no debt on the card.
2. China Industrial and Commercial Bank (ICBC) was established in June 65438 +654381October +01October.
1. The head office is located at No.55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The basic task of China Industrial and Commercial Bank is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.
2. Since the beginning of 2 1 century, the competitiveness of ICBC's overseas institutions has been significantly improved. The total assets of overseas institutions increased from $3.6 billion in 2000 to $654.38+32 billion in 2065, and the profit after provision increased from $34 million to $654.38+30 billion. Except for some newly established institutions in that year, other overseas institutions have achieved profits, and the compound annual growth rate of assets and profits of overseas institutions has reached about 39%.
3. The quality of assets has improved steadily, and the ratio of non-performing assets has dropped from 4.49% of 200 1 to 0. 19% of 201. 20 1 1, and the average return on equity of ICBC's overseas institutions is 12.4%, which exceeds some big banks in Europe and America. The per capita assets are 65.438+0.4 billion yuan, and the per capita net profit is 870,000 yuan, which exceeds the average level of the whole bank and has high operating efficiency.
4. Functions cover deposits, loans, remittances, bank cards, online banking, international settlement, trade financing, financial markets and other fields. After several years of unremitting efforts, FOVA system has been successfully put into production in 34 overseas institutions, covering all overseas institutions except ICBC (Asia).