Industrial credit card fails to negotiate with local bank outlets within the time limit. If the user wants to negotiate, please do it before the expiration of 3 months, because usually the overdue time reaches 3 months, and the bank will directly sue the court. Because users should contact the official customer service of Industrial Bank as soon as possible after the deadline, and then actively negotiate to make a repayment plan, so the bank may not sue if it is overdue for three months.