I can only make a rough calculation here for the poster, but I can’t be precise. According to the daily interest rate of 0.05% on a credit card, the annual interest rate is 18 (0.05*365), and the annual interest = 12000*18 =2160 yuan

At the same time, if you don’t repay the money, the bank will also charge a late payment fee. The late payment fee ratio is 5 of the unpaid part of the minimum repayment amount. The minimum is 5 yuan. If the debt is 12,000 yuan, the minimum repayment amount is 1,200 yuan. Calculated in yuan, the late payment fee is 60 yuan per month (1200*5), and the late payment fee for one year = 60*12=720 yuan

This adds up to a relatively high amount, but this is only a rough calculation for the poster. The specific suggestion is to call the bank’s service hotline to confirm.

In addition, I would like to remind the poster that not paying back the money within one year is a very serious overdue situation and will leave a bad credit record, which will definitely have an impact on your future loans. It is recommended to pay back the money as soon as possible. On.