One of the ways for ICBC to negotiate repayment to reduce liquidated damages is to allow cardholders to repay part of the arrears first, and then decide whether to agree to reduce the remaining liquidated damages according to the actual situation of cardholders and the audit results of banks. It can help cardholders to gradually reduce the debt burden, and also help banks to better manage non-performing loans and improve asset quality. The specific negotiation results need to be based on the cardholder's actual economic situation and the bank's audit standards.