2. ICBC's credit card is overdue for more than 3 years. Users should actively contact ICBC's manual customer service before reimbursement. Let the manual customer service ask how much the total principal and interest is overdue for more than three years, and then the user directly chooses the ICBC counter to repay in full. Need to repay, because the card has expired for three years, basically has been frozen, in this state of repayment to the card, the system may lead to automatic deduction failure. Therefore, the user must repay the credit card as soon as possible if it is overdue, so that the system can successfully deduct the money.
What if the credit card is overdue?
1. If it is overdue, you must contact the credit card institution as soon as possible and ask yourself if there is a tolerance mechanism for credit card applications. If so, congratulations! Reissue the owed bank card immediately. If you can't pay off all the money you owe, it's not the way to reimburse according to the minimum refund amount.
2. Pay the arrears in time. Even if there is no such situation, it is necessary to pay the arrears in time and explain to the bank staff that this is not a malicious overdue. If you have a good personal credit report before, and then you have nothing, please don't be careless and pay attention to the bank's billing information and collection information. One thing to note here is that your credit history is not permanent. When you end a loan, the credit stain will disappear automatically five years after the end date.
The credit card has expired. Can canceling the credit card solve the problem? As the netizen said, will the original credit card be cancelled if the credit card is not repaid after it expires? Of course not! If you don't pay back the balance, simply cancel the credit card, because the cancelled credit card will be included in your credit record, so bad credit will always accompany you.