1. Clearly express the willingness and difficulties of repayment, propose a personal repayment plan, and fully communicate and negotiate with the bank. Under normal circumstances, although the repayment can be made in 60 installments at the longest through negotiation, the application process is relatively complicated and needs to be communicated with the bank repeatedly. Finally, the two sides need to reach a consensus and agree on new repayment arrangements.

2. Actively cooperate with the bank's requirements, provide the required relevant information, such as poverty certificate and debt certificate, and wait for the bank's evaluation and audit.

3. If the bank directly refuses the user's negotiation request, it can consider solving it through complaint channels or legal channels. For example, complaining to the head office of the bank or bringing a lawsuit through the court can provide some help.

After the new repayment plan is confirmed, users should repay according to the agreed amount, and must avoid the overdue situation again, otherwise it will be difficult to negotiate successfully again, which will have a great negative impact on personal credit records.

Will Industrial Bank's overdue repayment for several days affect credit reporting?

According to the regulations of Industrial Bank, overdue repayment for more than 3 days will be reported to the credit information system. Industrial Bank provides cardholders with a three-day grace period, during which repayment will be regarded as timely repayment. However, if the repayment fails after the grace period, Industrial Bank will report the overdue records to the credit information system.