If it is confirmed that you have not applied for ICBC's credit card, but there is an overdue record of ICBC's credit card, it may be that your identity information has been stolen. You can complain directly to the bank, because the activation and use of the credit card must be authenticated by your real name, and the bank needs to bear the responsibility of lax review. You can ask ICBC to provide a credit objection, and then delete the relevant overdue records.