ICBC's credit card is overdue for a long time, and the repayment channel is closed after receiving the landline call.

You can go to the bank to repay the loan, so as to avoid exceeding the time and causing overdue. Close the channel and try other channels, so as not to affect the credibility of overdue.

You can ask for an extension. It is a breach of contract not to repay after a credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee. If the bank sues the court and wins, the cardholder will also bear the litigation costs. If you don't pay it back all the time, it will be overdue once a month, which means that you will be recorded with a bad credit record once a month. Moreover, if you don't repay for many months in a row, you will be sued by the bank and sentenced to malicious arrears. Your credit record will deteriorate, and the amount of arrears will become larger and larger, and you will be fined in serious cases.

If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

: In any of the following circumstances, it shall be recorded in the bad credit record:

First, the customer's current status is overdue in the personal credit information system of the People's Bank of China or our bank and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ), or there have been bad records overdue for more than 90 days in the last 12 months (that is, the overdue status flag is "4").

Second: I learned from other credit channels that the customer has one of the following situations:

(1) Being listed in the bad customer information database of banks, peers, the People's Bank of China or credit reporting institutions due to illegal card use;

(two) the defendant has a major lawsuit or arbitration and other legal disputes;

(3) maliciously defrauding bank funds;

(4) Having a criminal record during his imprisonment or in the last seven years.