Rural Credit Cooperatives will issue a credit report if their credit cards are overdue for 3 days. Rural Credit Cooperatives will provide a 3-day grace period to their cardholders. Credit cards have a 3-day buffer period after the payment date. As long as the cardholder pays the minimum payment before 24:00 on the third day after the due payment date, it will not be considered overdue. Therefore, if the user does not repay on the repayment date, he can still repay within the grace period, and repayment within the grace period will not be considered overdue.

As long as the credit card holder repays the loan within the grace period, it will not affect his or her personal credit report. At present, a late payment of one or two days on a credit card generally does not cause overdue payment, because most banks now have tolerance and time tolerance services. If the cardholder has insufficient repayment in the current period and the unpaid portion of the account after the due payment date is less than or equal to a certain amount, it is considered to have repaid on time.

Generally speaking, credit cards from rural credit unions that are overdue for 3 days will not be accepted. In addition, if the cardholder does not repay in full, but the repayment amount reaches a certain amount, it will be deemed to have been repaid in full. This unpaid amount is automatically transferred to the next bill, and the user can repay it directly in the next bill and will not be recorded in bad credit.

What should I do about the quota of rural credit cooperatives?

1. Handle at the counter. Users can bring relevant information to the Rural Credit Cooperative for processing at the counter, explain the limit to the staff, and ask the staff to help with the process.

2. Online banking. Users can log in to their online banking, find the limit service page, and change the limit according to their actual situation. After the application is successful, the card limit will also change.

3. Use mobile app. Users can download and log in to the mobile app, find the section for setting transaction limits, and then make changes. After the change is successful, the user's card limit will also be changed.