CCB's credit card has a fixed billing date every month, and 20 days after the billing date is the final repayment date. Before the final repayment date, the consumer will be repaid in full according to the bill amount and enjoy the interest-free period. If you don't repay in full and on time, consumers won't enjoy the interest-free period, and the bank will charge interest in full at the rate of five ten thousandths per day from the date when your consumption is recorded. If you owe 5000 yuan and you haven't paid it back for four years, we can't help you. We can only make a rough calculation for you according to 18%(0.0005*365) per year. 5000* 18%*4=3600. In addition, if the minimum repayment amount is not paid every month, there will be a late fee. Late payment fee = (the minimum repayment amount-the amount paid before the due repayment date) × 5%, and the minimum 5 yuan (1 USD/Euro) shall be collected monthly.

You can call the customer service hotline of CCB now, ask how much money you owe, and then pay it back quickly. Otherwise, because the bank has to report the customer's card usage to the People's Bank of China, it is definitely not a problem that you have been overdue, which is likely to have an impact on your future business.