If your credit card is overdue, please repay it as soon as possible. If it is overdue for a long time, I suggest you contact the local ICBC credit card issuing bank for specific consultation. For overdue information caused by your failure to return it in full and on time, ICBC will provide it to the national basic database of financial credit information according to regulations, which may affect your handling of credit card, mortgage, car loan and other loans or guarantees in commercial banks, and may also bring a lawsuit to the court.

Tips:

ICBC's credit card interest rules are as follows:

1. Credit card: If the consumer fails to repay in full and on time, ICBC will charge overdraft interest at the rate of 0.5 ‰ for the unpaid part every day from the bank bookkeeping date to the repayment date, and the full penalty card will charge overdraft interest for overdraft transactions including the "repaid part" enjoying the interest-free period from the bookkeeping date to the repayment date. There is no interest-free repayment period for overdraft withdrawal or transfer, and overdraft interest is paid at 0.5 ‰ per day from the bank bookkeeping date to the repayment date. Credit card overdraft interest is compounded monthly.

2. Quasi-credit card: there is no interest-free repayment period for the transaction, and the overdraft period is 60 days from the bank bookkeeping date, and the overdraft will be charged at the interest rate of five ten thousandths per day from the overdraft bookkeeping date.

(Answer time: 2019165438+1October 20th. In case of business changes, please refer to the actual situation. )