The credit card grace period of Quzhou Kecheng Rural Commercial Bank is two days.

Although the "China Bank Card Industry Self-Discipline Convention" stipulates that banks should provide cardholders with a three-day grace period, but because the convention is not mandatory, the grace period of each bank varies. .

As long as the Agricultural Bank of China credit card holders repay within the 2-day repayment grace period, they can be regarded as cardholders repaying on time.

Overdue credit card repayments will face the following consequences: 1. Overdue credit card late payment fees. The so-called late payment fee for a credit card refers to the fee that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount.

2. Overdue interest. After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder repays overdue, all the expenses of the cardholder last month will no longer enjoy the bank's interest-free payment. treatment, and the recurring daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18.

3. Bad credit record. Overdue credit card repayment records will enter the central bank's credit reporting system to generate bad credit records. Our country's personal credit reporting records have been networked nationwide. As long as individual residents have handled loan business at banks, applied for credit cards, or provided guarantees for others, they will be credited. Then you can check your credit report at any domestic commercial bank.