工商信用卡逾期是什么意思？

中文段落：

工商信用卡逾期，指的是持卡人未能按照约定的还款日期偿还工商银行信用卡的欠款。当持卡人未能在规定的还款日或宽限期内全额还款时，即视为逾期。这种情况可能会对持卡人的信用记录和信用评分产生负面影响，甚至可能导致额外的费用或利息的产生。

工商银行作为中国的主要商业银行之一，其信用卡业务广泛应用于消费、旅游、购物等领域。然而，随着信用卡的普及，逾期还款的问题也逐渐浮现。逾期还款的原因多种多样，可能是持卡人疏忽、资金紧张或其他个人原因。无论原因如何，逾期还款的后果都应当引起持卡人的高度重视。

对于逾期的持卡人，工商银行可能会采取一系列措施，如发送催收通知、加收滞纳金或利息、甚至将逾期记录上报至征信系统等。这些措施旨在提醒持卡人尽快还款，同时保护银行的利益。

因此，为了避免工商信用卡逾期带来的不良影响，持卡人应当合理规划财务，确保按时还款。同时，了解信用卡的使用规则和还款要求，也是避免逾期的重要一环。

英文段落：

Industrial and Commercial Bank of China (ICBC) credit card delinquency refers to the situation where the cardholder fails to repay the outstanding balance of their ICBC credit card by the agreed due date. When the cardholder fails to make a full payment by the prescribed repayment date or grace period, it is considered as delinquency. This situation can have negative impacts on the cardholder's credit history and credit score, potentially leading to additional fees or interest charges.

As one of the major commercial banks in China, ICBC's credit card business is widely used in consumption, travel, shopping, and other areas. However, with the popularization of credit cards, the issue of late repayments has gradually emerged. There can be various reasons for late repayments, such as negligence, financial constraints, or other personal reasons. Regardless of the cause, the consequences of late repayments should be taken seriously by cardholders.

For delinquent cardholders, ICBC may take a series of measures, such as sending collection notices, levying late fees or interest, or even reporting the delinquency to the credit bureau. These measures aim to remind cardholders to repay their debts as soon as possible while protecting the bank's interests.

Therefore, to avoid the adverse effects of ICBC credit card delinquency, cardholders should plan their finances reasonably and ensure timely repayments. Additionally, understanding the usage rules and repayment requirements of credit cards is also crucial in avoiding delinquency.