Not paying back the money for seven years is very serious overdue, which will leave a bad credit record and will definitely affect your future loans. I suggest you pay back the money as soon as possible. In addition, banks that are overdue for a long time and maliciously owe money can take judicial action, hoping to attract attention. Of course, in this case, the card was stopped by the bank and there was no way to open it again.

As for the cost, it can only be roughly calculated here, but it can't be accurate. According to the daily interest rate of the credit card, the annual interest rate is 18%(0.05%*365), and the annual interest rate is =4000* 18%=720 yuan/year.

At the same time, if you don't pay back the money, the bank will still have a late fee. The proportion of late payment fee is 5% of the unpaid part of the minimum repayment amount, with a minimum of 4,000 yuan. According to the minimum repayment amount of 400 yuan, the monthly overdue fine is 20 yuan (400*5%), and the one-year overdue fine is 20 *12 = 240 yuan/year. The above is only a rough calculation. The specific suggestion is to call CCB.