The consequences of an ICBC credit card that is overdue for three months are as follows:

1. Closing the credit card account: ICBC will close the credit card account and will no longer provide credit services to the cardholder.

2. Record personal credit: Overdue records will be uploaded to personal credit information agencies, which will have a negative impact on personal credit records.

3. Legal proceedings: ICBC has the right to take legal measures to recover arrears and may sue the cardholder through court. If the cardholder loses the lawsuit, he will bear greater legal liability.

4. Collection actions: Banks may entrust third-party agencies to carry out collections and urge cardholders for repayment by phone calls, letters, etc.

5. The collateral is seized: If the overdue amount is large, the bank can, in accordance with the provisions of the loan contract, seize the cardholder's collateral to make up for the loss.

6. Credit rating decline: Overdue credit records will lead to a decline in personal credit rating, which will then affect an individual's future credit application, renting, employment, etc.

7. High overdue interest and fines: The bank will charge high overdue interest and fines in accordance with the contract, and the cardholder will need to bear additional financial burdens.

To sum up, after three months of overdue payment, the consequences of ICBC credit cards include account closure, personal credit record, legal proceedings, collection actions, seizure of collateral, reduction of credit rating, and high overdue interest and penalties. . These consequences will adversely affect an individual's credit history, financial status, and daily life.

Extended information:

According to Chinese laws and regulations, banks have the right to take a series of measures to protect their own rights and interests after their debit cards and credit cards are overdue. On the one hand, they can recover through legal means Arrears, on the other hand, can also have a negative impact on the cardholder's personal credit history. Overdue records will be uploaded to personal credit information agencies, which may affect an individual's credit application, employment, renting and other financial transactions. Therefore, cardholders should develop good repayment habits and make timely repayments to avoid adverse consequences.

The above are the consequences after the ICBC credit card is overdue for three months. I hope it will be helpful to you. If you have other related questions, you can always ask me.