First, if the customer is overdue, the bank will charge the corresponding overdue interest according to the contract. According to the information you provided, the overdue interest has reached more than 30,000 yuan, which is relatively large.
Secondly, when customers decide to settle all debts, they usually make a one-time repayment. Although in some cases, banks may reduce the overdue interest, it is not common to reduce the interest of one-time repayment, especially if the overdue time has been as long as 4 years.
To sum up, according to the information you provided, it is less likely to reduce the interest for one-time repayment. Therefore, it is suggested that you contact the relevant credit card departments of ICBC for specific repayment methods and relief policies, so as to better solve the problem of overdue repayment.
Extended data:
Banks often charge a certain amount of overdue interest for overdue repayment, the specific amount depends on the contract and the length of overdue time. Generally speaking, the interest relief of one-time repayment is relatively small, especially in the case of long overdue time. However, some banks may reduce overdue interest to a certain extent, and the specific amount and policy of reduction and exemption can be negotiated with banks.
If the information provided in the initial question is not detailed enough, you can add the following information to further answer the question: Have you communicated with the bank to understand the repayment method and the relief policy? Is there any record of communicating with the bank and reaching an agreement during the overdue period? Are there any other special circumstances or conditions to consider?
The above is my answer based on my understanding of the relevant situation, hoping to help you. If you have more questions, please continue to consult the banking department or professionals.