Generally speaking, ICBC credit card holders will report their credit information one day overdue. After the deadline, cardholders can no longer enjoy the benefits of interest-free repayment, and it will also affect personal credit information. If the cardholder is overdue for three consecutive months and accumulated for six months, it will be blacklisted by ICBC.
Users can generally get personal credit big data report in Eagle Heart Quick Search, clean up their credit status, query loan records, whether it is overdue, whether it is blacklisted and so on.
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How to negotiate installment for overdue ICBC credit cards?
If ICBC's credit card is overdue, if you want to negotiate installment, customers can directly call ICBC's service hotline 95588, press the "0" key to switch to manual service, and then apply to the customer service staff to extend the repayment period and repay the arrears in installments.
Of course, if the customer applies directly, ICBC may not agree. Customers need to make it clear that they are overdue, indicating that they don't intentionally owe money, but they really don't have enough repayment ability. It's best to provide some supporting information to show that you are willing to repay actively. In this case, ICBC will consider it as appropriate.
In addition to negotiating installment payment, customers can actually try to apply for suspension of payment. If the application is successful, the arrears will no longer bear interest, and the customer only needs to repay in installments on time according to the repayment plan newly negotiated with ICBC.
If ICBC finally disagrees, the customer will have to find another way. For example, you can try to borrow money from relatives and friends around you to pay back your credit card.