Before the final repayment period of Industrial Bank's credit card comes, you should take the initiative to call the bank's credit card center, state your financial situation, declare that you are not maliciously in arrears, and apply for delayed repayment and interest concessions.

in view of the cardholder's active performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder a repayment plan acceptable to both parties, such as delay period, interest discount, monthly repayment amount, etc. In this way, if you contact the bank actively and the bank agrees to postpone the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

if you usually neglect to repay, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the Credit Card Center of Industrial Bank to declare that it is not malicious. If it has been recorded well in the past and the overdue time is short, it may not be recorded as a bad record if it is found that the repayment is good after the overdue. Don't be careless in the future, be sure to pay attention to the bank's bill notice and collection information to avoid overdue.