Three years. According to relevant public information, Fumin Card has a maximum credit of 500,000 yuan, with an annualized rate of 7.2% and a monthly interest rate of 6%. Interest is paid in advance and repaid with the loan, and the credit is granted for 3 years. Fumin Card is a credit card product launched by Hunan Rural Commercial Bank, which has the functions of credit consumption, cash deposit and withdrawal, transfer settlement and electronic cash.