You can repay at the counter, bring your valid ID card, credit card, and bank card to ICBC for repayment, and complete the repayment under the guidance of the staff. The scrapping of an ICBC credit card means that an individual fails to repay the loan on time and ICBC stops using the credit card, but can still repay the loan. Overdue credit cards usually have the following consequences:

1. Overdue interest, liquidated damages and other fees: Overdue interest on credit cards is calculated from the date of issuance, generally 5/10,000 of the daily interest, calculated on a monthly compound interest basis ;Liquidated damages are generally 5% of the outstanding portion of the minimum repayment amount.

2. Bad credit records: Overdue personal credit reports will produce bad records, which will affect future loan applications.

3. Possible criminal liability: If the overdue time is long and the overdue amount is large, the bank may receive a reminder notice; if the bank still fails to repay the debt after being reminded, it may face criminal liability. Generally speaking, the impact of overdue credit cards is relatively large, so it is recommended that everyone repay on time. If your credit card is about to expire or has already expired, it is recommended that you call the bank's customer service hotline in time, proactively explain the situation, find out whether you can apply for a deferment of repayment or reduction of arrears interest, and repay as soon as possible.

Generally, the overdue cancellation of a credit card will not affect the repayment, but the consumption function of the credit card cannot be continued, so you can continue to repay at mobile banking, online banking, and ATM machines. It is also a good choice to repay at the counter of an outlet. Bring your ID card, credit card, and repayment debit card (you can deposit the money that needs to be repaid into the card) to the credit card center or bank branch counter to negotiate repayment matters. It is best to close the repayment at once. If you have difficulty repaying the loan at one time, you can inform the bank of your specific situation, obtain the bank's understanding, strive for an extension of repayment, formulate a repayment schedule, and conscientiously implement the repayment plan. In short, no matter what, you must pay it back as soon as possible. Credit is like your own eyes. You must take good care of it. At the same time, you must make advanced purchases based on your ability to repay. You must not blindly pursue a luxurious life and consume blindly.