In addition, inquiring about the repayment amount and handling the follow-up business need to be handled by the card issuer, and repayment can only be handled at any business outlet in different places through the original cancellation card number.
1. When the account cancellation method is "write off bad debts", you can check the exact amount with your card and certificate at the card issuing institution, and then deposit or transfer the money at any business outlet in different places through the original write-off card number.
2. When the account cancellation method is "bad debt cancellation to temporary collection", you can check whether there is any cash deposit to be withdrawn from the card issuer with your card and certificate. If you mean the credit card is overdue, please repay it as soon as possible. If it is overdue for a long time, it is recommended that you contact the local ICBC credit card issuing bank for specific consultation.
According to the credit card collection contract, the credit card applicant should repay the arrears within the prescribed repayment period, and agree that the ICBC card issuer should collect the arrears by letter, SMS, email, telephone, door-to-door, announcement or judicial channels. If the debt has not been paid off after collection, ICBC card issuers can choose or take the following measures at the same time: stop using the card (except electronic cash transactions); Stop credit card applicants from using all peony credit cards (except electronic cash transactions); Exercise the pledge right; Deduct it directly from any account opened by the credit card applicant in any branch of Industrial and Commercial Bank of China.
The following is a detailed introduction of ICBC's debt mortgage:
1. Debt offset means that the debtor and the creditor owe each other debts and offset the corresponding creditor's rights within the scope of mutual debts.
2. "Automatic bank deduction, debt offset" means that if the money owed by the counterparty to the bank is not paid back at maturity, the bank has the right to deduct the corresponding deposit from the counterparty's account in the bank (from the counterparty's point of view, the deposit is a creditor's right to the bank) to offset its debt to the bank.
Article 99 Where the parties owe debts due to each other, and the subject matter of the debts is of the same type and quality, one party may offset its debts with the debts of the other party, except that it is not allowed to offset according to the law or the nature of the contract.
If a party claims set-off, it shall notify the other party. The notice takes effect when it reaches the other party. No conditions or time limit may be attached to the offset.