You'll be fine in three days, don't worry.

Second, how long has the loan interest of rural credit cooperatives been overdue for two days without bad records?

The loan interest of rural credit cooperatives is overdue once every two days, and the bad record will not be eliminated in the short term. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years.

3. loans overdue, a rural credit cooperative, will be blacklisted in three days?

The order of bad records in the personal credit information system is like this.

1) is overdue, exceeding the grace period of 3 days, but the money is paid back before the next bill, at least the minimum repayment amount, so only interest and late fees will be charged, and there will be no bad records.

2) If it is overdue, but the repayment is the lowest within the grace period of 3 days, there will be no interest, late fees and bad records.

3) If the minimum amount is still not paid before the next repayment, the bank will keep urging you to pay it back, but you should not submit it to the credit information system at this time.

4) If you don't pay back the money for two consecutive months, the bank will still not pay back the dunning, and the bank will submit bad records to the credit information system.

Bad records will be kept for 5 years before they disappear.

4. How long is the loan interest of rural credit cooperatives overdue for two days without bad records?

Five years.

credit reporting industry regulations

1. The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

2. According to the regulations of the People's Bank of China, all card-issuing banks are required to change customers' accounts, and cannot tamper with them. The bank will not use it, but only truthfully feedback the historical use record without any subjective judgment.

If the subsequent loan business is handled, the lending bank will comprehensively refer to the credit records, not only for a certain period of time, but also for a continuous increase in credit if it can maintain a good record of consumption and repayment.

3. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, if the bad letter generated by overdue credit card repayment is terminated by the card, the corresponding record will not scroll, but be kept for a long time.

Therefore, the credit card should not be cancelled immediately after paying off the arrears, but should be used for more than two years, and the credit during the period should be kept good, and the bad records should be cleared from the credit information system by rolling records.

Extended data

Article 207 of the Contract Law stipulates:

"If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state". The repealed Economic Contract Law and the Regulations on Loan Contracts have made it clear that overdue loans should pay interest and penalty interest. Notice on Interest-bearing Measures after Adjustment of Loan Interest Rate (hereinafter referred to as the Notice) and Provisions on the Administration of RMB Interest Rate 1999 (hereinafter referred to as the Notice)

According to the above provisions, combined with the actual trial, the calculation method of overdue loan interest is mainly

First, according to the interest rate during the contract period. Within the performance period agreed in the loan contract, as long as it does not violate the provisions of the People's Bank of China on the upper and lower limits of the loan interest rate of financial institutions, and private lending is not higher than 4 times the bank loan interest rate, the interest paid by the borrower can be used to calculate the overdue interest of overdue loans according to the interest rate agreement.

Second, according to the People's Bank of China.

In this interest-bearing method, the adjustment of the loan interest rate during the performance of the loan contract is not segmented. For the interest rates adjusted in different periods, the overdue interest is calculated by the interest sharing method, and the penalty interest is added according to a certain proportion, or the penalty interest is calculated in sections according to the penalty interest rate of overdue loans determined by the People's Bank of China.

At the same time, the loans and overdue loans during the performance period of the contract can be repaid on a monthly basis), and the quarterly interest settlement date is the 20th day at the end of the quarter. If the borrower fails to pay the interest on time, it will be compounded.

Of the above two interest-bearing methods, the former is generally suitable for private lending, while the compound interest in the latter is not suitable for private lending. Bank loan merger, the former interest-bearing method is not prohibited by law.

The two interest-bearing methods have their own characteristics, and overdue interest is calculated according to the agreement, although the principle of autonomy within the scope is simple and the calculation method is simple.

However, if the whole overdue time is long, it may lead to too high or too low interest charge, which violates the spirit of fair civil law. Collecting interest on overdue loans in accordance with the relevant provisions of the People's Bank of China can appropriately reflect the interest payable on overdue loans, but the implementation process is too cumbersome.