1. Suppose the annual interest rate is 18% (the actual interest rate may vary depending on the type of bank and credit card) and the monthly interest rate is18%/12 =1.5%.
2. The interest calculation formula is: interest = amount owed × monthly interest rate × repayment months,
3. The number of repayment months is 654.38+07,000 /200=85 months.
4. Interest =170,000×1.5 %× 85 =193, 250 yuan. Therefore, suppose the annual interest rate is 18%, and the monthly 200 yuan interest owed to credit cards is 170000 yuan.