The credit card 500 is overdue for two years and I owe 1,100 yuan.

According to the regulations of the China Banking Regulatory Commission, the overdue amount of a credit card shall not exceed 1.2 times the principal, and the maximum shall not exceed 5,000 yuan. The rate of late payment fee shall not exceed 0.5 of the principal, and the overdue fee will be charged every month after the overdue period. No more than 50 yuan principal. If you have not paid back 500 yuan on your credit card, the late payment fee for one month is: 500 yuan × 5 = 25 yuan, 25 × 24 = 600 yuan. Therefore, the credit card of 500 is overdue for two years and I owe 1100 yuan.