Can rural commercial banks reduce interest rates when handling bank cards with loans?

Rural commercial banks cannot cut interest rates when handling loans and bank cards. If the lender is unable to repay the debt, it cannot apply to the rural commercial bank for interest relief. If the lender is a mortgage loan, the rural commercial bank will apply to the court to seal up the lender's personal property for auction; If the lender is a credit loan and there is no real estate mortgage, the rural commercial bank will call for debts.