The overdue fine of 100 yuan per month is 5 yuan, 60 yuan for one year, and the interest is 1.5 yuan per month, and 20 yuan for less than one year.
In the second year, the arrears are close to 200 yuan, and the monthly overdue fine is 10 yuan, and the annual interest is 120 yuan, but the monthly interest is less than that of 40 yuan.
In the third year, the arrears are close to 400 yuan, and the monthly late payment fee is 20 yuan, one year is 240 yuan, and the monthly interest is 6 yuan, which is more than 70 per year.
In the fourth year, he owed more than 700 yuan and fined 35 yuan every month and 420 yuan every year. The interest is RMB 65,438+00 per month and RMB 65,438+020 per year.
The arrears in the fifth year are 1.300 yuan, and the monthly overdue fee will be paid to 65 yuan. Interest is paid in 20 yuan every month.
You can do the math yourself.
You can call the bank credit card customer service, which is recorded in your billing system. Return it as soon as possible. Going down more and more.