1. Amount owed: The first thing to consider is the principal owed, that is, the amount owed of 10,000 yuan. This is the initial debt and needs to be paid off.

2. Interest expenses: overdue repayment will generate interest expenses, and the specific rate depends on the bank policy and the contractual agreement of the credit card. The interest expense will be calculated according to the daily overdue amount, so the interest expense overdue for one year is a certain proportion of the principal owed.

3. Late payment fee: In addition to interest expenses, overdue repayment will also generate late payment fees. Late payment fee is a punishment for overdue behavior, and the specific amount depends on the banking policy of credit card.

4. Handling fee: Some credit cards may charge extra handling fee after overdue repayment, which needs to be added to the amount to be repaid.

To sum up, the amount of 10,000 yuan owed by a credit card (debit card) that is overdue for one year will include the principal owed, interest expenses, late fees and possible handling fees.

Summary:

The amount owed by a credit card (debit card) for one year includes not only the principal owed, but also interest charges, late fees and possible handling fees. The specific amount depends on the bank policy and contract of the credit card.

Extended data:

Credit card is a convenient consumption tool, but cardholders must repay on time to avoid extra expenses. Overdue repayment will lead to the accumulation of interest fees, late fees and handling fees, and increase the repayment amount. In order to avoid the increase of expenses due to overdue, cardholders should plan expenses reasonably, ensure timely repayment, and clearly understand the repayment regulations and expense policies of credit cards.

Supplementary information:

In the absence of specific interest rates, late fees and handling fees, it is impossible to accurately give how many credit cards (debit cards) that owe 10,000 yuan are overdue for one year. The specific amount also needs to be determined according to the bank policy and contract agreement of the credit card. Therefore, it is suggested that cardholders contact the credit card issuing bank in time to obtain accurate repayment amount information and repayment plan.