Four days. Credit cards of rural credit cooperatives have a three-day grace period for repayment, and the repayment within the grace period is not overdue. After 4 days overdue, overdue records will be uploaded to the credit information. If the credit card of the rural credit cooperative is overdue, the user chooses to repay it within the grace period, even if it is repaid on time. Overdue repayment after grace period.

Although the overdue debt has been paid off, the overdue record has been uploaded to the credit investigation. As long as there are overdue records, users will have bad credit information.

What bank is a rural credit cooperative?

Rural credit cooperatives are rural credit banks and belong to rural cooperative financial institutions. Rural credit cooperative refers to a rural cooperative financial institution established with the approval of the People's Bank of China, which is composed of members' shareholding system, implements democratic management, and mainly provides financial services for members; Banks are liable for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Their property, legitimate rights and interests and business activities carried out according to law are protected by state laws.