One week's overdue repayment on an ICBC credit card will have the following effects:

1. Payment record: After overdue repayment, ICBC will report your debt record to the financial institution. This record May have a negative impact on your personal credit rating.

2. Credit rating: Late repayment will cause your credit rating to drop, which may affect your approval rate when applying for loans, credit cards and other financial services in the future.

3. Overdue interest and penalties: According to the relevant regulations of ICBC credit cards, overdue repayment will incur high interest and penalties, which will increase your repayment burden.

4. Restrictions on other credit card services: Overdue repayment may cause your other credit card services to be restricted, such as limit increases, limit adjustments and other services may be suspended or adjusted.

Summary:

The consequences of one week’s overdue payment are relatively minor, and your timely repayment will have less impact on your credit rating. However, frequent late payments over a long period of time will accumulate negative records and cause greater damage to credit ratings. Therefore, it is recommended that you repay your credit card in strict accordance with the repayment date to develop good repayment habits.

Extended information:

The People's Bank of China uses a personal credit reporting system to record and rate personal credit information. Loans, credit cards and other financial service-related information from different banks will be included in the system. . Late repayments will have an adverse impact on an individual's credit rating, which may result in a downgrade of credit rating and adversely affect future financial applications. Therefore, it is very important to properly plan and manage one's financial status. Complying with credit card repayment regulations and repaying money promptly and accurately are effective ways to maintain personal credit. Timely repayment can not only maintain a good credit record, but also avoid the occurrence of high interest rates and penalties, reducing personal financial pressure.