According to the regulations of China Banking Regulatory Commission, the maximum overdue repayment of credit card shall not exceed 1.2 times of the principal, and the maximum overdue repayment ratio shall not exceed 0.5% of the principal, and the maximum monthly overdue fee shall not exceed the principal 50 yuan. If the credit card is not returned to 500 yuan, the overdue fine for one month is: 500 yuan× 5% = 25 yuan, 25×24=600 yuan. Therefore, the credit card 500 is overdue for two years, and the total debt is 1 100 yuan.