The late loan of Industrial Bank still depends on the product of the loan. If it is an installment loan product of Industrial Bank's credit card, it doesn't matter if it is a day late, because credit card installment loans have a grace period, so it won't cause adverse effects. If it is other personal credit loans of Industrial Bank, then it is influential for Industrial Bank to pay back the loan one day late, which will generally be considered overdue by the bank.

Industrial Bank should call the customer service of the bank in time if the loan is one day late. If it hasn't been uploaded to the credit information system, you can explain to the bank the reason why it is one day late, indicating that the individual is not maliciously in arrears and let the bank be lenient.

Industrial Bank's definition of overdue credit card is that the cardholder still hasn't paid back the arrears at 18: three days after the repayment date, so even if the repayment is two days late, it won't have any impact. However, if the repayment is made through other channels, it is best to call Industrial Bank's customer service phone number 95561 on the second day after the repayment, that is, the last day of the grace period to inquire about the progress of the repayment. If the repayment has already been paid, it will naturally have no impact.

1. What will happen if the credit card of Industrial Bank fails to repay on time several times

Many people just have a bad habit, that is, it is easy to forget the repayment date. Although repayment within the grace period will not affect the personal credit record, it will also have the following effects:

1. It will affect the credit line. Raising the limit is what we usually call "raising the card". We should know that banks will have a comprehensive risk assessment system. If we fail to repay on time several times, it is very likely that our Industrial Bank credit card will not be raised again.

2. It is easier to overdue if you form bad habits. Although the repayment grace period is the same as normal repayment, in the long run, even on the repayment date, I will think about how many days before repayment, so that once the repayment arrives, it will be delayed (delayed repayment is the most common situation on holidays).

Therefore, it is best to pay off the bill before the repayment date in the daily use process, which will not only help us form good habits, but also help us to "raise the card" and obtain a higher credit line.

second, what should I do if I often miss the repayment date?

If I often miss the repayment date, it is still very bad. We can reduce this situation in the following ways.

1. Set the reminder mode. You can open the notification authority of the Industrial Bank APP and set it to remind us to repay before the repayment date. You can also set a schedule in the calendar to remind us to repay. When we receive these reminders, we must repay immediately, and don't think about it later. It may be overdue later.

2. Change the repayment date. Some people may repay during the grace period because the company changed the date of paying wages or changed jobs, which led to the repayment on time before, but now they are forced to repay within the grace period. We can change the billing date again, but it should be noted that Industrial Bank can only modify the billing date once every six months.

There will still be a lot of trouble after it is overdue, so we should pay attention to our consumption habits in the daily use of Industrial Credit Card. If it is overdue but we don't know how to negotiate with Industrial Bank, we can also add our overdue teacher's WeChat to get a solution.