The text message sent yesterday

According to the information provided, if your credit card at ICBC is overdue for 120 days, and the overdue amount exceeds 3,000 yuan, you only returned it to 300 yuan on the way after receiving the short message of immediate repayment yesterday, and directly returned it to 800 yuan yesterday. The following is my explanation of the possible situation:

1. Possibility of being arrested:

-According to the information provided, you have made partial repayment (300 yuan and 800 yuan), which means that you are trying to repay the arrears. Under normal circumstances, banks will give priority to a series of collection measures such as telephone collection and lawyer's letter, rather than immediately calling the police or filing a case.

-Banks usually try to solve overdue problems through communication and negotiation with customers, instead of taking legal action directly. Therefore, the bank will only consider taking further legal action if you refuse or fail to repay the arrears for a long time.

2. Possible consequences:

-Overdue repayment will have a negative impact on your credit history, which may make it difficult for you to apply for loans or credit cards in the future.

-The bank may charge you late fees or overdue penalty interest, which will increase the total amount you need to pay.

-If you continue to be overdue or refuse to repay the arrears, the bank may take legal action, such as submitting your personal information to the credit reporting agency, entrusting a third party to collect the company or bringing a lawsuit through the court.

3. Summary:

According to the information provided, since you have made partial repayment and showed willingness to repay voluntarily, the possibility of being arrested is very low. However, overdue repayment will have a negative impact on your credit record, and you may need to pay additional late fees and overdue penalty interest. In order to avoid further legal troubles and credit losses, it is suggested that you communicate with the bank as soon as possible and make a repayment plan.

4. Extended information:

Overdue repayment refers to the failure to pay off the due amount at the time agreed in the credit card contract. Overdue repayment will generally lead to damage to credit records and may be affected by bank collection measures. Each bank's policy on overdue repayment may be slightly different, so it is recommended to know and contact the bank in time to find a solution. Remember, keeping a good credit record is very important for personal financial life.