the overdraft interest rate of jintong card is calculated on an annual basis. According to the general credit card overdraft calculation method, the repayment after three years of overdraft in 1 yuan is as follows:

1. Calculate the total interest: overdraft amount× annual interest rate× overdraft years

According to the relevant information, it is not enough to determine the specific annual interest rate and whether there is overdue penalty interest, assuming that the annual interest rate is 18%. (Here is supplementary information)

Then the total interest = 1 yuan× .18× 3 years = 54 yuan

2. Calculate the total amount to be repaid: overdraft amount+total interest

Total amount to be repaid = 1 yuan+54 yuan = 1,54 yuan

In summary, if you overdraw 1 yuan for three years without repayment, the total amount to be repaid is 1,54.

Extended information:

Jintong Card is a credit card product issued by Agricultural Bank of China. The overdraft function allows cardholders to withdraw cash or pay more than the account balance within the credit limit, but they need to repay at a certain interest rate. The specific overdraft interest rate and repayment method may vary according to the region, time and personal situation. Please consult the issuing bank or refer to relevant agreements and policies.