It is a bad record.

Details:

1. Overdue credit card means that the cardholder fails to repay the credit card debt on time after the repayment deadline.

2. According to China's banking industry management regulations, the number of overdue credit cards and the number of overdue days are important factors in evaluating personal credit records.

3. None of the four overdue payments exceeds 90 days. Although overdue payments that do not exceed 90 days are considered short-term overdues, they still constitute credit card overdue behavior and will have a negative impact on personal credit records.

4. Bad records will affect an individual's credit rating, increase difficulties in borrowing and credit card applications, and may cause banks to refuse to provide credit cards or loans with higher limits.

5. Cardholders should try to avoid overdue credit cards and ensure timely repayment to maintain a good credit record.

Summary:

The ICBC credit card has been overdue four times, each time overdue for less than ninety days, which constitutes a bad record. Overdue credit cards can have a negative impact on an individual's credit history, possibly leading to a lower credit rating and some difficulty in borrowing money.

Extended information: