The grace period for overdue credit cards of rural commercial banks is 3 days, and the grace period for credit card repayment is automatically extended. Generally, no application is required. If you are not sure, you can call the service hotline on the credit card for manual service for consultation. In 20 13, China Banking Association published the revised "China Bank Card Industry Self-discipline Convention", requiring banks to provide cardholders with "time-tolerant service", that is, banks provide cardholders with a certain period of grace period for repayment. Pay special attention to the repayment time. It is recommended to return it before 5: 00 on the last day, and transfer it to our bank. Because the bank has the time of arrival calculated by the bank, it is safe not to cross the bank.

1. Rural commercial bank (hereinafter referred to as Rural Commercial Bank) is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction. Rural cooperative banks should all be restructured into rural commercial banks. Jiang Liming, director of the supervision department of cooperative financial institutions of China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be transformed into rural commercial banks. Cancel the qualification shares in an all-round way and encourage qualified rural credit cooperatives to be restructured into rural commercial banks. On the premise of maintaining the overall stability of the status of county (city) as a legal person, we will steadily push forward the reform of provincial associations, and gradually build a new relationship between provincial associations and grassroots legal entities with property rights as the link, equity as the link and supervision as the constraint, so as to truly form a community of interests between provincial associations and grassroots legal entities. The proportion of qualified shares in rural credit cooperatives in China has dropped below 30%. About 303 rural commercial banks and 2 rural cooperative banks have been established, and the total assets of rural banks account for 4 1.4% of the rural cooperative financial institutions in China. In addition, 1424 rural credit cooperatives have met or basically met the conditions for establishing rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the institutions themselves have formed an endogenous driving force to further promote the reform of deep-seated institutional mechanisms.

2. Credit Card (English: credit card), also called credit card. It is a non-cash transaction payment method and a simple credit service. Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back. Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders do not need to pay cash when using credit cards, but will make repayment on the billing date. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.