According to the overdraft situation of ICBC credit cards, the following is a detailed explanation of the interest calculation and the specific situation of one month:

1. Interest calculation method:

- The interest calculation for ICBC credit cards usually adopts the daily interest rate accumulation method. Specifically, interest will be calculated on the daily unpaid overdraft amount at a certain daily interest rate and accumulated in the account.

- The daily interest rate of a credit card can be found on the bank's official website, credit card contract or related documents.

2. Calculation of interest for expected overdraft of 5,000 yuan:

- Assume that the daily interest rate of ICBC credit card is 0.05% (just an example value, the actual interest rate should be subject to the official announcement) ).

- Overdraft of 5,000 yuan, assuming that the time from the beginning of the overdraft to the repayment is one month (30 days).

-Then the interest calculation formula for this overdraft is: Interest = Overfund Amount × Daily Interest Rate × Number of Overdraft Days.

- Based on the above assumptions, interest = 5000 × 0.0005 × 30 = 75 yuan.

3. Total expenses for one month:

- In the case of capital financing of 5,000 yuan, the total expenses for one month include capital of 5,000 yuan and interest of 75 yuan.

- Therefore, the total cost for one month is 5000 + 75 = 5075 yuan.

Summary:

If the ICBC credit card overdraft is 5,000 yuan and is not expected to be repaid, based on the assumed daily interest rate of 0.05%, the monthly interest is 75 yuan, and the total cost It is 5075 yuan.

Extended information:

- The specific interest rate, calculation method and overdue penalty interest of ICBC credit card may vary depending on the product type and personal credit status. It is recommended to consult the official channels of ICBC Or read the relevant terms in your credit card contract for accurate information.