According to the information provided, the Bank of Communications credit card is overdue for one year and the unpaid interest is 14,800 yuan. If the repayment is overdue for a long time, the repayment should be made in time and the corresponding late fees and interest should be paid.

Details are as follows:

1. First, you need to understand how overdue interest on credit cards is calculated. Generally speaking, banks will calculate overdue interest based on the daily overdue amount and mark the overdue interest rate on the bill. The specific overdue interest rate and calculation method may vary from bank to bank, but interest is generally calculated on a daily basis.

2. Secondly, based on the information provided, assuming that the overdue interest rate is 1% of the annual interest rate, the calculation formula for overdue interest is: overdue interest = number of overdue days × (overdue amount × overdue interest rate ÷ 365). According to the information in the question, the overdue time is 1 year, that is, 365 days, the overdue amount is 14,800 yuan, and the overdue interest rate is 1%. Substitute into the formula to calculate, overdue interest = 365 × (14800 × 1% ÷ 365) = 148 yuan.

3. Finally, you also need to consider late payment fees. Generally speaking, overdue credit cards will incur late fees. The amount of late payment fees varies from bank to bank, but is generally calculated based on the proportion of the overdue amount. Assuming that the late payment fee ratio is 10%, the calculation formula of the late payment fee is: late payment fee = overdue amount × late payment fee ratio = 14800 × 10% = 1,480 yuan.

To sum up, after one year of overdue payment, the interest to be paid is 148 yuan and the late payment fee is 1,480 yuan. The total repayment amount is overdue amount 14,800 yuan + interest 148 yuan + late payment fee 1,480 yuan = 16,428 yuan.

Supplementary information:

1. Overdue repayment will have a negative impact on an individual's credit record, which may lead to a decline in credit rating and limit loans and other credit activities.

2. In order to avoid interest and penalties caused by overdue payments, it is recommended to ensure timely repayment. It is best to set up automatic deduction or reminder services to ensure punctual repayment.

3. If you are unable to repay the overdue amount, please contact the bank as soon as possible to discuss a repayment plan to avoid further deterioration of the overdue amount. Banks usually offer some repayment options, such as installment payments.

Summary:

The Bank of Communications credit card is overdue for one year, and the unpaid interest is 14,800 yuan. Based on the assumed overdue interest rate and late payment fee ratio, the overdue interest is 148 yuan and the late payment fee is 1,480 yuan. The total repayment amount is 16,428 yuan. To maintain a good credit record, it is recommended to make timely repayments and negotiate a repayment plan with the bank.

The above is an answer based on the information provided and assumptions. The specific situation may vary depending on bank regulations and loan contracts, please refer to the actual situation. If you have any questions, please contact Bank of Communications in time.