The Fumin card of the rural commercial bank is not repaid in one year, but in three years. Fuxiang Fumin Card is a credit card product for farmers, community residents, individual industrial and commercial households and small and medium-sized enterprise owners engaged in rural breeding, agricultural product circulation service, individual industry and commerce, and small and medium-sized enterprise production and operation activities, and has the functions of credit consumption, cash deposit and withdrawal, transfer settlement and electronic cash. It is a single-currency UnionPay standard credit IC card and a dual-interface magnetic stripe chip composite card. The consumption overdraft limit is controlled at 200,000 yuan per day, and the overdraft withdrawal (transfer) limit is controlled at 500,000 yuan per day. The daily cumulative withdrawal limit of ATM channel is 20,000 yuan, and the bill transfer amount does not exceed 50,000 yuan. The validity period of the card is 3 years, and it will not be renewed automatically.