1. ICBC credit card debts can be queried through online banking, customer service hotline, bills and ICBC e-life.
2. Specifically, ICBC credit card holders can check the overdue status of their credit cards in the following four ways:
Computer operating environment: Apple Computer A1466 Windows 10
Mobile operating environment: Xiaomi 12 MIUI 12.5.13
1. Online banking inquiry: ICBC credit card holders can log in to personal online banking/icbc and inquire about their credit card in My Account Arrears and overdue payments.
2. Customer service telephone inquiry: Cardholders can call ICBC credit card customer service at 400-66-95588 and then be transferred to manual service to inquire about the overdue status.
3. Bill inquiry: ICBC will send a credit card bill to the email address filled in by the cardholder when applying for a credit card every month. The bill will detail whether there is an overdue payment and the specific overdue situation.
4. ICBC e-Life: Please log in and select the "Finance" column below and follow the prompts to inquire.
Notes:
1) If the optimal/minimum repayment amount of your credit card is 0, it means that there is no need to repay the current bill;
2) After handling the credit card repayment, the repayment amount information will generally be updated the next day. You can check it the next day or check the credit card details to understand the credit status.
3. How to inquire about credit card debt:
1. Bank customer service telephone inquiry: The cardholder calls the card-issuing bank’s customer service telephone number and follows the voice prompts to inquire; 2. Online banking inquiry: Register Check online banking, mobile banking clients, and credit card APPs;
3. Log in to your email to check: learn the amount of funds owed through email statements;
4. Check offline business outlets ;
5. Send the designated SMS password to the card-issuing bank.
4. Extended information - What to do if your credit card is overdue:
1. Actively cooperate with the bank and never be judged as a malicious overdraft. After the credit card is overdue, there will be calls from the bank for collection. This is normal, just like if you owe your friend and your friend urges you to repay, you don’t have to worry too much. After all, the bank is a formal financial institution. Even if the bank entrusts the collection work to a third party, There will be no overly aggressive behavior, and it may be more frequent. At present, many banks' collections are relatively standardized. After all, there are strict supervision. On the premise that it does not affect work and life, you can accept it as long as you can. If it affects your work and life, you can choose not to accept it if you don’t want to.
2. You can pay back more or less every month. In order to avoid the bank judging you as a malicious overdraft, that is to say, you don’t want to pay back the money even though you have overdraft. You can pay more or less every month. Pay back some money at least, even 50-100 yuan (this kind of repayment is prohibited for a long time). This can show some of your willingness to repay, instead of deliberately overdue.
3. Try your best to pay off the loan in one lump sum. In your situation, it is impossible to repay the loan for you. You must put down your dignity and ask your family and friends to help you find a way to make up the money. According to the general Most banks have preferential policies for repaying the loan in one lump sum. That is, the overdue interest and liquidated damages may be waived by the bank. For relatives and friends, you can repay slowly. This is the fastest way to get on board. This method can solve your trouble of being charged every day.
4. Negotiate personalized repayment in accordance with relevant regulations. According to Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability. , and if the cardholder is still willing to repay, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum period of the personalized installment repayment agreement shall not exceed 5 years. After negotiation, the monthly repayment will be between 1,000-2,500 yuan, which can reduce the pressure of repayment and avoid the troubles of debt collection and prosecution.
3. As a credit card holder, once you are unable to repay the loan on time due to unemployment, illness or other accidents, before the final repayment period arrives, the card holder is best to call the bank's credit card center and state your case. Financial status, state that you do not owe money maliciously, and apply for delayed repayment and interest discounts.
5. In view of the cardholder’s active performance and previous good credit record, the bank will often agree to defer the repayment, and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, and interest discount. , monthly repayment amount, etc. In this way, if you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future.
6. Credit card repayment information will be recorded by the central bank’s credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer be scrolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period. In this way, you can rely on rolling records to remove bad records from your credit report. Remove it from the system.