According to the inquiry of Xicai.com, the grace period of agricultural credit card is two days. After the repayment date, before 24 o'clock the next night, it is the grace period for repayment. During this period, the Agricultural Bank will repay the loan on time as seen by the users. Repayment after 24 o'clock the next day shall be deemed as overdue repayment. Overdue repayment will not only generate overdue interest, but also have overdue records for credit investigation. For users, it is better to repay on time without special reasons, which is conducive to improving users' own comprehensive credit score.