2 days. The Agricultural Bank of China credit card provides a 2-day repayment grace period. If the cardholder pays off the payment within the repayment grace period, it will not be considered overdue, and the personal credit report will not be recorded. However, if the repayment is not paid within the 2-day grace period, the Agricultural Bank of China will count it as overdue, and the overdue record will be uploaded to the central bank's credit report, which will affect the personal credit report. Overdue credit cards from the Agricultural Bank of China are very serious. Not only will your credit report be affected, but you will also be subject to collections and penalty interest. Therefore, Agricultural Bank of China credit card holders must repay on time to avoid overdue credit cards.