Late repayment is subject to interest of 0.05%, 5*730=3650 yuan. If you calculate compound interest, you don't know how much.
The monthly compound interest calculation formula is: 10,000 yuan * {(1.015) 24th power} = 14,509 yuan. The 24 in the formula means 24 months, and compound interest will be charged on monthly overdue repayments on credit cards.