1, ICBC's credit card can be negotiated interest-free. If the credit card is overdue, you can negotiate interest-free, explain the reasons for the overdue, show the attitude of positive repayment, and strive for a longer interest-free period. However, ICBC is state-owned, and the probability of successful interest-free negotiations is not very high.

2. Legal basis: Article 67 1 of the Civil Code of People's Republic of China (PRC).

If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 674

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Second, what are the consequences of bank loans?

1, overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and bank collection may also cause life pressure on oneself and family, affecting the normal life of individuals and families;

2. In terms of overdue fees, there will be some fees such as liquidated damages and penalty interest, which need to be collected according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interests;

3. It has an impact on personal credit records, and bad credit records have become obstacles to loans such as mortgages and car loans and credit card processing in the future.