The five-day overdue credit card of Industrial Bank may have a negative impact on personal credit information. Generally, the credit card of Industrial Bank has a three-day repayment grace period, but if it is not paid after five days, the bank will report the overdue record to the credit reporting agency, thus affecting personal credit reporting.

In addition, overdue records will have a negative impact on personal credit score, which in turn will affect future applications for financial services such as loans and credit cards. Therefore, it is suggested that cardholders pay attention to the repayment date when using the Industrial Bank credit card to ensure timely repayment and avoid unnecessary troubles.