Credit card late fee refers to the fee that the cardholder should pay to the issuing bank according to the regulations when the repayment date is not due or the repayment amount is lower than the minimum repayment amount. The overdue fine is calculated at 5% of the unpaid part of the minimum repayment amount. At the same time, the bank will charge five ten thousandths of the daily interest on the whole bill.
Therefore, if the credit card is overdue for one year 10000 yuan, it needs to be repaid:10000+10000% × 5%+10000× 0.0005× 365 =12325 yuan.