Not paying back the money for one year 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.

Finally, in terms of fees, after the deadline, the bank will calculate interest at a daily rate of 0.5 ‰ from the date of consumption. Interest for 365 days =12000 * 0.05% * 365 = 2160 yuan. At the same time, there will be liquidated damages, and the proportion of liquidated damages is 5% of the unpaid part of the minimum repayment amount, at least calculated in 5 yuan. According to the minimum repayment amount 1.200 yuan, the monthly penalty is 60 yuan (1.200 * 5%). The above is only a rough calculation, and the specific suggestions need to be confirmed by calling the CCB service hotline.