My Ii Tiao is overdue and my Fenqi Le is two months overdue. I entrusted a company called Lubi Guanjia to handle the suspension of my account. If I had known it, I wouldn’t have had to suffer for two months. It was available on Baidu. If it is overdue, you must negotiate. I can get it done by spending a few hundred yuan on Lubi Guanjia. I can search it on Baidu.

There are some. ICBC credit cards have a three-day grace period. Deadline, after which it will be deemed overdue.

According to the "China Bank Card Industry Self-Discipline Convention":

Article 14 Member units should strive to improve the quality of credit card services, provide cardholders with humanized card services, and advocate Each credit card issuer has established a "tolerance service and a time-tolerance service" for credit card repayment or provided interest reduction and exemption discounts for the portion of the credit card overdraft that has been repaid during the interest-free repayment period:

(1) Member units provide cardholders with "time-tolerant services" and should provide cardholders with a certain period of repayment grace period service. The repayment grace period shall be at least 3 days from the due date of repayment. When repaying within the time limit, the cardholder shall be deemed to have repaid on time.

(2) Member units provide "tolerance service" to cardholders. If the cardholder has insufficient repayment in the current period, and the unpaid portion of the account after the due repayment date is less than or When it equals a certain amount (at least the equivalent of RMB 10), it shall be regarded as full repayment by the cardholder.

Extended information:

According to the notice on the issuance of the "Credit Card Business Management Measures":

Article 18 The maximum overdraft period of a credit card is 60 days.

Article 19: Credit card overdraft interest will be calculated as a daily interest rate of 5/10,000 within 15 days from the date of signing or bank accounting, and will be calculated as a daily interest rate of 10/10,000% if it exceeds 15 days.

If it exceeds 30 days or the overdraft amount exceeds the prescribed limit, the daily interest rate will be calculated at 15/10,000. Overdraft interest is not calculated in stages, but is calculated based on the highest interest rate bracket for the final term or the maximum overdraft amount.

Article 60: If a cardholder uses an organizational card for overdraft, his or her organization shall be responsible for repaying the overdraft amount and paying overdraft interest. The cardholder has an overdraft using a personal card supplementary card.

The principal cardholder shall bear the responsibility for repaying the overdraft amount and paying overdraft interest; if the principal cardholder loses the ability to repay, the supplementary cardholder shall bear the responsibility for the overdraft amount. Liability to repay and pay interest on overdrafts.

Article 61: Disputes between cardholders and special agencies shall be resolved by both parties themselves. Cardholders may not refuse to repay debts incurred due to the use of credit cards on the grounds of disputes.

Article 62: Cardholders must properly keep and use their credit cards correctly, otherwise, they will be responsible for any resulting financial losses.

Article 63: For losses caused by fraudulent use after the cardholder reports the loss, the relevant person responsible shall bear liability in accordance with the provisions of the credit card regulations.

Baidu Encyclopedia-China Bank Card Industry Self-Discipline Convention