1. Is ICBC’s minimum repayment considered overdue?

Doesn’t count.

As long as the minimum repayment is paid on an ICBC credit card, it is not considered overdue and will not produce a bad credit record. But the bank will charge penalty interest and late fees. The charging standard for penalty interest is: 0.05% of the daily bill will be charged based on the amount of cash withdrawal from the date of withdrawal. The late payment fee of each bank is calculated as 5% of the unpaid portion of the minimum repayment amount, calculated as 50,000%.

2. How to calculate the minimum repayment amount of ICBC

The minimum repayment is 10% of the amount owed. If you only pay the minimum every month, you will not be able to pay it all. If it is You can still pay off a fixed amount, such as 500 a month.

If you want to pay it off in about a year, you can choose installments. If you want to pay it off in two or three months, don't choose installments.

I hope I can help you. If you don’t understand, you can ask. If the problem is solved, please click "Select as satisfactory answer" below the answer for support. Thank you.

3. The minimum repayment issue of ICBC.

If you issue a bill on July 1, the repayment due this period is 1,000 yuan, and the minimum repayment amount is 100 yuan. , then the 100 yuan deposited on July 1st is the minimum repayment amount, which will not affect your personal credit record. The overdraft money on July 2nd can be transferred to the next month (that is, before August 25th ) Just pay it off

4. How to check the minimum repayment amount of ICBC credit card

1Commercial Bank” and open the official website of Industrial and Commercial Bank of China.

2. Find the "Personal Online Banking Login" option on the official website and click.

3. Enter from

4. Click the "Inquiry" option in the personal interface.

5. You can then view the minimum repayment amount in the billing interface.