Detailed description:

1. Principal: 5000 yuan.

2. Interest: According to the regulations of CBRC, overdue credit cards generally bear interest on a daily basis. The specific interest rate varies from bank to bank, usually ranging from 0.05% to 0.1%. Assuming the interest rate is 0.07%, the monthly interest is 5000 yuan × 0.07% × 30 days = 10.50 yuan.

3. Late payment fee: According to the regulations of CBRC, overdue repayment of credit cards will lead to overdue repayment, and the amount of overdue repayment is a certain proportion of overdue repayment. The specific ratio varies from bank to bank, generally between 0.5% and 3%. Assuming that the proportion of overdue fine is 2%, the amount of overdue fine is 5000 yuan × 2% = 100 yuan.

Summary:

If it is overdue for one month, the total repayment of 5,000 credit cards is 5,000 yuan, plus interest 10.50 yuan and late payment fee 100 yuan, totaling 510.50 yuan.

Extended data:

According to China's relevant laws and regulations and banking supervision regulations, overdue repayment of credit cards will generate interest and late fees. In order to avoid the extra expenses caused by overdue repayment, cardholders should repay on time to ensure a good credit record.