1. Brief answer:

According to the general credit card interest rate and late fee regulations, a credit card with an overdraft of RMB 60,000 that has not been repaid for three years will need to pay interest and late fees.

2. Detailed description:

2.1 Interest calculation:

General credit card interest rates are calculated on an annual basis. The specific interest rates vary according to banks and credit card products. There is a difference. Assuming that the annual interest rate of a credit card is 20 (here is a hypothetical interest rate), then the interest calculation formula for an overdraft of 60,000 for three years is: interest = overdraft amount × annual interest rate × overdraft period. Substitute the data for calculation: interest = 60,000 × 0.2 × 3 = 36,000 yuan.

2.2 Calculation of late payment fees:

Late payment fees are liquidated damages arising from failure to repay on time. The specific amount varies according to the regulations of banks and credit card products. Assuming that the late fee is 2 of the overdraft amount (here is a hypothetical late fee ratio), then the formula for calculating the late fee for an overdraft of 60,000 and three years is: late fee = overdraft amount × late fee ratio × overdraft period. Substitute the data into the calculation: late payment fee = 60,000 × 0.02 × 3 = 3,600 yuan.

3. Summary:

For a credit card overdraft of RMB 60,000 that has not been repaid for three years, based on the assumed interest rate and late payment fee ratio, you need to pay interest of RMB 36,000 and late payment fee of RMB 3,600. One hundred dollars.

4.

Extended information:

The interest rates and late fee regulations of different banks and credit card products may be different. Therefore, in actual situations, the Calculations are based on specific credit card contracts and bank regulations. At the same time, timely repayment after overdrafting a credit card can avoid the problems of high interest rates and late payment fees.