Calculated based on the daily interest rate of 0.5% of a credit card, interest = principal * interest rate * overdue time, so the interest for three years overdue is 1,642.5 yuan. In addition to interest, the bank will also charge a late payment fee, which is calculated based on 5% of the unpaid portion of the minimum repayment amount. The minimum repayment amount for an overdue payment of 3,000 yuan is 585 yuan, so the late payment fee is 585 (300*5 *12*3), for a period of three years, so the interest plus late payment fee is 2227.5 yuan.

And this is only calculated according to the prescribed interest rate. The interest rate of many banks will be higher than the prescribed interest rate. Therefore, after the credit card is overdue, friends must repay it immediately and cannot default on it.