This is hard to say. It depends on your credit limit and the amount of debt you owe. Under normal circumstances, it will almost double in a year. You can calculate that the interest rate is 0.05% per day, compound interest is calculated on a monthly basis, and there is also a late payment fee of 5% of the minimum repayment amount every month. If the limit is exceeded, an over-limit fee of 5% of the overlimit amount will be charged. Overdue credit cards are high-interest loans. Try to repay the credit card in full. If you owe 10,000 yuan and you are 1 cent short of repaying it, sorry, interest will be calculated on your 10,000 yuan (except Industrial and Commercial Bank of China). Don't cancel the card if it's overdue. Keep the card for 24 months after you pay it off. Check at any time whether there is any previous payment. If the card is not blocked for you, it is recommended to use it normally for 24 months, but you must repay it on time, so that 24 months After that, your bad records will be covered. If you cancel the card, it will take at least 5-7 years to cover it up.