Detailed description:

1. After the Industrial Bank's credit card is overdue for three months, the cardholder still has the opportunity to negotiate repayment with the bank to solve the overdue debt problem.

2. In the process of negotiating repayment, the cardholder can negotiate with the bank to repay by installments, reduce the handling fee or interest, make a reasonable repayment plan, and relieve the debt pressure.

3. Negotiating repayment requires the cardholder to contact the bank actively, provide detailed overdue information, financial status, repayment willingness and other information, and jointly negotiate with the bank for a suitable repayment plan.

4. Industrial Bank usually evaluates whether to agree to negotiate repayment according to the cardholder's situation and credit history, and the specific plan depends on individual circumstances.

5. Cardholders should abide by the repayment agreement as far as possible in the process of negotiating repayment, and repay in full and on time to ensure the improvement and recovery of credit records.

Summary:

After the Industrial Bank's credit card is overdue for three months, the cardholder can negotiate with the bank for repayment. There are many ways to negotiate repayment, such as installment repayment, fee reduction and so on. Cardholders should actively contact the bank and provide detailed information to agree on an appropriate repayment plan. In the process of negotiating repayment, the cardholder shall abide by the repayment agreement, repay the loan on time and maintain the credit record.

Extended data:

Overdue repayment will have a negative impact on credit records, which may lead to a decline in credit rating and affect financial transactions such as personal loans and credit card applications. Therefore, if you encounter repayment difficulties, it is very important to contact the bank in time and negotiate repayment. It is suggested that cardholders plan their consumption reasonably when using credit cards, and pay back in time to avoid overdue situations.

Please note that the above information is for reference only, and the specific operation needs to be determined according to the relevant regulations of Industrial Bank and personal circumstances. For details, please contact the customer service of Industrial Bank for relevant policies and operation procedures.