Generally no, if the ICBC credit card is overdue and canceled, it will not affect the use of the ICBC debit card. ICBC savings cards are mainly used for deposits and withdrawals. Generally, overdue credit cards will affect personal credit and credit system problems. If it is difficult to apply for a mortgage loan, the bank will verify your credit system problems. But debit cards will not be affected. However, if illegal transactions are prosecuted, the debit card may be frozen. Therefore, we must develop good habits. Do not overdraw your credit card and pay it back in time.

1. When the bank card is frozen, if the number of incorrect entries exceeds the limit when using it for deposit and withdrawal, it will be frozen. 2. Some banks will automatically release the lock when it expires, usually 24 hours or the next day. If If you need help urgently, you can call the bank to consult.

2. Some bank locks cannot be automatically released and returned to normal. This requires the cardholder to bring a valid ID card and bank card to the bank counter for unlocking, and may need to reset the password. If you call the bank service hotline directly to unfreeze, it will take effect immediately after unfreezing. After thawing, you need to reset your password, including reactivation.

3. If illegal transactions are involved and the transaction is frozen by the court due to judicial needs after being judged by the court, fines must be paid in accordance with regulations. It can be unfrozen when the court has completed the relevant matters and does not need to be frozen. The general freezing period is six months.

4. Solutions to overdue credit cards: Cardholders have their credit cards frozen due to failure to repay on time or multiple cash outs. If the overdue situation is not serious, usually they only need to call the card customer service center to explain the situation. , just unfreeze it. As long as the credit card center confirms that the debt has been paid off, it will immediately handle the unfreezing process. The unfrozen credit card can be used normally. When a credit card holder is unable to repay on time due to unemployment, illness or other accidents, before the final repayment period arrives, it is best for the card holder to take the initiative to call the bank's credit card center to state his financial situation and declare himself It is not a malicious debt, so I applied for a deferral of repayment. In view of the cardholder's proactive performance and previous good credit record, the bank will generally agree to defer the repayment and agree with the cardholder on a mutually acceptable repayment plan, deferment period, interest discount, monthly repayment amount, etc. Credit card The repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, the bad credit records caused by overdue credit card repayments will be stored in the credit reporting system for two years. Keep your credit in good condition for a period of time so that you can remove bad records from the credit system through rolling records. Don't underestimate the stains on your credit card, which will cause you to be unable to handle many banking services, including car loans and housing loans, so develop good card usage habits.

5. If the credit card is lost and frozen after a verbal report of loss is made, it will take 15 days to unfreeze. It will be unfrozen one day after the expiration date according to the date on which the deposit certificate is issued. If you haven’t used this credit card for transactions for a long time. Generally speaking, a card that has not been used for payment for more than 2 years or has expired without a new card will be frozen. As long as you go to the counter to deposit or withdraw money, it will be automatically unfrozen.

6. This is more serious. If you fail to repay your credit card debt overdue, in addition to being frozen, you may also: be called upon by the lending institution, develop a bad credit record, or in severe cases, be permanently blacklisted. List. If it is overdue for more than 60 days, it is likely to be canceled by the bank. Therefore, it is recommended that you maintain good credit. This will ensure that your credit card can be used smoothly and your credit report is good.