1. If an ICBC credit card is returned after 10 days of overdue payment, it can still be used, but it may cause certain losses to the credit report.

2. Detailed instructions:

a. Continue to use after repayment: Even if the credit card is 10 days overdue, once the repayment is completed, the ICBC credit card will usually be restored to usable status and you can continue to use it. Use this credit card for purchases and cash withdrawals.

b. Impact on credit report: Late repayment will have a certain negative impact on credit report records. Overdue credit cards will be recorded in personal credit reports, which may lead to a decline in credit scores and affect the approval results of future applications for loans, credit cards and other financial services.

c. Extraordinarily large losses: Although being overdue for 10 days will have a certain negative impact on your credit report, the specific degree of loss depends on many factors, such as overdue duration, overdue frequency, credit history, etc. If the loan is only 10 days overdue and repaid in time, the loss is usually small and will not cause a particularly big impact.

3. Summary: ICBC credit cards can continue to be used after 10 days of overdue repayment, but it will have a certain negative impact on personal credit records. However, this impact is usually minor, and as long as you repay on time and maintain a good credit record, you will still have the opportunity to obtain other financial services in the future.

4.

Extended information: ICBC Credit Card is a credit card product issued by the Industrial and Commercial Bank of China. Credit reporting refers to a system in which an individual’s credit behavior in financial institutions is recorded and evaluated, and is managed by local credit information centers or credit reporting agencies. Overdue repayment refers to failure to repay a loan or credit card debt within the time stipulated in the contract. Credit records are used to evaluate personal credit status and play an important role in the approval of financial services such as loans and credit cards. Therefore, timely repayment to avoid overdue payments is important to personal credit.

5. Please note that the above content is for reference only, and the specific situation may be affected by personal credit history, bank policies, local regulations and other factors. If necessary, please consult ICBC for accurate and detailed information.