If the principal of RMB 16,000 on an ICBC credit card is overdue for six years, you must repay at least RMB 32,001. The interest on a 16,000 yuan credit card overdue for 6 years is 16,001 yuan. Calculation method: 16,000 yuan x 0.0005x365x6 = 16,001 yuan. If there is an annual fee, six years of annual fees will be added. Since the types of credit cards you apply for are different, the specific card type you applied for shall prevail.