First of all, you need to know that ICBC's credit card may be collected at home when it is overdue, but this may not necessarily happen. After the credit card is overdue, the bank will generally remind users to repay as soon as possible by calling, texting or email. If the customer fails to repay the loan for a long time, and the overdue amount is large, and the customer cannot be contacted, the bank may choose to take the way of door-to-door collection. However, the door-to-door collection here will be more reasonable and compliant, and there will be no violent collection of illegal online loans. The bank mainly knows the situation, so you can relax.
As far as the consequences of overdue are concerned, first of all, there will be additional expenses such as late payment fees and interest, which usually accumulate gradually with the increase of overdue days. At the same time, overdue records will also be recorded in personal credit reports, which will have a negative impact on personal credit records. In addition, banks may also take legal measures to recover debts, including prosecution and freezing accounts. In extreme cases, banks will even disclose personal information, which will affect personal credit and reputation.
Bian Xiao suggested that you communicate with the bank as soon as possible to find out the specific overdue situation and make a reasonable repayment plan. If you can't pay off all the arrears temporarily, you can consider applying for installment payment or deferred repayment to avoid continuing to generate high late fees and interest. At the same time, we should also maintain a good credit record to avoid the adverse impact of overdue repayment on personal credit rating.
In short, the consequences of overdue credit cards are serious, and we need to take measures as soon as possible to avoid further expansion of arrears. Of course, everyone must spend rationally in the process of using credit cards, and at the same time consider their actual repayment ability to avoid overdue.