Two days. Agricultural Bank of China's credit card policy stipulates that if the cardholder fails to repay the payment for two days overdue, it will be considered overdue. In order to give cardholders more grace period, Agricultural Bank of China will still regard repayment as normal repayment during this period and will not create a negative record on personal credit reports.

Therefore, when using an Agricultural Bank of China credit card, it is recommended to repay on time, because overdue payments will have a significant impact on the user. In addition to charging high interest rates and penalties, overdue repayments will also have a negative impact on the user's credit record, which will have a greater impact on future credit card applications.

What are the consequences of an overdue Agricultural Bank of China credit card?

If your credit card has an overdue bad credit record, you will face credit reporting problems and will be unable to handle other businesses involving credit reporting. Continuous overdue repayments three times or cumulative overdue payments six times are considered serious overdue behaviors, and overdue payments for more than 90 days are even more serious. In this case, it is difficult to apply for credit cards, housing loans, car loans, etc.