The debt is 3,000 yuan and has not been repaid for five years. It may rise to between 10,000 yuan and 15,000 yuan.

Your credit report is in trouble, and the interest plus principal is estimated to be 5,000. This amount is not enough to prosecute or file a case, but it is not necessary for this small amount of money. It is best to raise the money and pay it back. If you do not repay it for a long time, the interest will escalate, and it will be tens of thousands in a few years.

If it is a China Merchants Bank credit card, it is recommended to call the credit card customer service to verify the specific repayment amount.

If the cardholder fails to repay the minimum payment amount of the previous period's bill before the payment due date (inclusive), our bank will calculate and charge corresponding late payment fees in accordance with the "China Merchants Bank Credit Card Regulations". The late payment fee is calculated as 5% of the unpaid portion of the minimum credit card payment, with a minimum charge of RMB 10 or USD 1. At the same time, all consumption in the current period will be charged interest starting from the accounting date, with a daily interest rate of 0.05%.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , deposit and withdrawal of cash and other full or partial functions of electronic payment cards [1-2]. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).