Inquiring about the credit information network, it is found that the Industrial Bank credit card has a three-day grace period for repayment, that is, as long as it is within the grace period, that is, on the afternoon of the third day after repayment 17:00, the Industrial Bank credit card will repay on time without paying interest on non-cash transactions. As long as users repay within the repayment grace period, they will not receive credit information. If it is overdue, the overdue record will be in the credit report.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users.