12000 yuan. In 2009, if the credit card is overdue, there will still be penalty interest and late payment fee. According to the credit card bill, a late fee of 5% will be charged. Therefore, it can be calculated that 40 yuan will pay 12000 yuan one month later and 960 yuan two years later, depending on the amount notified by the bank. Credit card overdue means that the credit card user fails to repay on the repayment date stipulated by the bank. If the credit card is overdue, it will affect the personal credit information in the bank.