rural credit cooperatives offer their cardholders a 3-day grace period. Credit cards have a three-day buffer period after the repayment date, and it is not overdue as long as the cardholder returns the minimum repayment amount before 24: pm on the third day after the due repayment date.

Credit cards of rural credit cooperatives will not be credited if they are overdue for 3 days. Moreover, if the cardholder fails to repay in full but the repayment amount reaches a certain amount, it shall be regarded as the cardholder's full repayment. This unpaid amount is automatically transferred to the next bill, and the user can directly repay it in the next bill, and this situation will not be recorded in the bad credit report.