Five years is 60 months, and the monthly overdue fine is 5%, totaling: 15000*5%*60=45000.

Five ten thousandths of the daily interest, so the total interest =15000 * 5/10000 * 360 * 5 =13500.

The average balance considering late fees and interest is 22500+6750 = 29250, which is 30000.

Compound interest of interest and overdue fine = 30000 * 5/10000 * 360 * 5 = 27000.

Total debt:15000+45000+13500+27000 =100500.

Roughly 65438+ ten thousand yuan.

If you want to repay, communicate with the bank staff to see if you can only repay the principal and interest, and avoid late fees and compound interest.

If no one can be found, the bank will only sue the court and should be sentenced for credit card fraud.