The credit card repayment period of rural credit cooperatives is generally the 25th day after the bill date, with a grace period of 3 days, during which the repayment is not overdue.

Credit cards of rural credit cooperatives are short-term overdrafts given to cardholders by card issuers when shopping. Allow consumption before repayment, with functions such as consumption, cash deposit and withdrawal, transfer and settlement.

The period from the billing date to the repayment date is called the interest-free period of the credit card. The longest interest-free period is 56 days and the shortest is 25 days. There is no charge for repayment during the interest-free period.