Shanxi Rural Credit Cooperative credit card has a 3-day repayment grace period.

Therefore, during the grace period, the user is not considered overdue. Overdue records will not be uploaded to the credit report until 4 days after the due date. After the rural credit cooperative credit card is overdue, if the user chooses to repay within the grace period, he can remedy his personal credit in a timely manner. If you repay the loan after the grace period, it is considered a late repayment. Although overdue repayments have also paid off overdue debts, the overdue records have been uploaded to the credit report. As long as there are overdue records, the user's credit report will be bad.