Credit cards are generally overdue for more than three days, and they will be reported to the credit bureau. If ICBC fails to repay the loan for more than one day, it will report the credit. Generally speaking, credit cards will have a grace period of three days. If there is no repayment within three days, they will have a bad credit record, but ICBC credit cards have no grace period. If there is no repayment on the last day of repayment, they will have a bad credit record the next day. The requirements of different bank terms are different.

How to eliminate bad personal credit records caused by overdue credit cards

(1) Credit card records only show the last 24 months, and previous records are difficult to find. As long as the cardholder spends at least 1 yuan every month for the next 24 months and repays the loan on time, the previous bad record can be overwritten and a good record can be re-created, which will not affect the subsequent credit.

(2) Banks will also be people-oriented. As long as the bad records are not uploaded to the system, usually 9 days, the cardholder will actively and continuously open the card bank, explain the reasons and take appropriate remedial measures, and the bank will usually help customers eliminate bad credit records.

(3) The last method of eliminating records takes time. China People's Bank's personal credit records are generally only kept for 7 years. Therefore, as long as the cardholder does not have any bad records within 7 years after the bad records are generated. Then the People's Bank of China will automatically remove the bad records of cardholders.