Interest part: According to the daily interest of credit cards, the annual interest rate is 18%(.5%*365), and the annual interest rate =1*18%=18 yuan. 5-year interest =18*5=9 yuan

overdue fine: the proportion of overdue fine is 5% of the unpaid part of the minimum repayment amount, with the minimum amount of 5 yuan and 1 yuan in arrears. Calculated according to the minimum repayment amount of 2 yuan, the overdue fine is 1 yuan (2*5%) per month, and the overdue fine for five years =1*6=6 yuan.

This is a relatively high sum, but this is only a rough calculation for the landlord. The specific suggestion should be confirmed by calling the bank's service hotline.

In addition, remind the landlord that not paying back the money for five years is a very serious overdue, which will leave a bad credit record, which will definitely have an impact on your future loan. I suggest you pay back the money as soon as possible.