ICBC messenger owes money. Will the courier fee be deducted if there is no money in the ICBC card?

If the ICBC messenger owes money, the courier fee will be deducted from the money in the next card if the ICBC card has no money.

According to the regulations of the People's Bank of China, overdue customers can keep them on their behalf if they really have difficulties, and the maximum interest handling fee cannot exceed 24% of the principal. It is also possible that you want to save 24%.

Specific steps:

1. Know your principal, what is the interest charge, and how much the bank will deduct every month if it is overdue from that day.

At least you have the funds and willingness to pay off the principal at one time.

3. Explanation of difficulties and harassment.

4. Call 95588 customer service, and then talk about manual coordination of repayment. It is best to find the telephone address of the credit card punching center.

Go to the credit card center to find the specific person in charge and explain your situation and wishes to him. In the ideal situation you want, you will definitely be rejected.

6. Call customer service to explain your experience, move out of the management measures of the People's Bank of China and ask for interest reduction. Go to the credit card center next time. Still rejected.

7. Find the phone number of the bank insurance supervisor where the credit card center is located, explain the situation, and bring the materials and records communicated with the bank before. Coordinated by China Banking and Insurance Regulatory Commission. Generally speaking, this 24% handling fee is definitely acceptable.

If you are not satisfied:

8. Find a reasonable district court for you, prepare materials to sue the bank credit card center, and demand to cancel the credit relationship with the bank.

9. Pre-litigation mediation, court mediation (generally you can achieve your goal here, provided that your materials are really effective and reasonable)

10. Courts generally serve vulnerable groups, but the banking legal department is not good. If you drop the lawsuit twice, the court will rule in your favor.

Different banks have different charging standards, which are market-regulated prices. Generally speaking, the cancellation of ICBC express fee means that users can no longer enjoy the express service provided by ICBC. When the account funds change, ICBC will not continue to remind users by SMS. However, users can learn about the change of account balance through mobile banking and online banking.