After the car loan card of ICBC on the 25th arrives, the balance is shown as negative. Does the display of negative numbers mean that repayment is required? How long can I owe it without affecting my credit? The current balance is negative, indicating that there are liabilities in the card at present. You can choose to log in and query, and select "Finance" according to the prompt to query the best repayment amount of credit card. 1. If the optimal limit of your credit card is 0, it means that you don't need to repay the current bill; 2. After handling the credit card repayment, the information of the amount to be repaid will generally be updated the next day. You can check it the next day, or check the credit card details to understand the posting situation.

1. ICBC car loan credit card is a kind of credit card. The card used by ICBC for repayment is a credit card, but it cannot be used as a credit card. ICBC car loan card will issue car loan cards for car installment business handled by car dealers, guarantee companies, insurance companies and other channels. This card is usually only used to buy cars by stages, and has no other value-added functions. If you need a credit card, it is recommended to apply for an ICBC credit card separately. The car loan card business of each branch is slightly different. Please contact the loan bank if you need to go through the formalities of car loan card loan settlement or mortgage cancellation, misdeposit/mistransfer/guarantee fee withdrawal, loan or guarantee information inquiry, etc.

2 individual car loan application conditions:

1, aged between 18 (inclusive) and 60 (inclusive), has paid the down payment for the purchased vehicle;

2. If you are a foreigner or a resident of Hong Kong, Macao and Taiwan, you also need to provide a contact person at the place where the loan is applied, and you have lived in China for 1 year and have a fixed residence and occupation;

3. Providing pledge or mortgage or third-party guarantee;

4. Open a personal settlement account in our bank;

5. Other conditions stipulated by the lending bank.

3. Under normal circumstances, a car loan card will be issued for car installment business handled through car dealers, guarantee companies, insurance companies and other channels. This card is usually only used to buy cars by stages, and has no other value-added functions. If you need to use a credit card, it is recommended to apply for an ICBC credit card separately. The car loan card business of each branch is slightly different. Please contact the loan bank if you need to go through the formalities of car loan card loan settlement or mortgage cancellation, misdeposit/mistransfer/guarantee fee withdrawal, loan or guarantee information inquiry, etc.