The late payment penalty for a construction credit card that is seriously overdue for one year will be calculated based on the following points:

1. Basis for calculation of liquidated damages: According to the credit card contract and relevant regulations, the bank will The overdue amount serves as the basis for calculating late payment fees.

2. Late payment interest rate: According to the regulations of the People's Bank of China, the annual interest rate for late payment fees on credit cards shall not exceed 24.

3. Late payment fee calculation method: Usually banks calculate the late payment fee for that day by multiplying the overdue amount by the overdue interest rate every day, and accumulate the daily late payment fee until the repayment date or until the entire debt is settled.

For example, if a construction credit card is seriously overdue for one year, and the overdue amount is 1,000 yuan:

- Late fee interest rate: Assume it is 24.

- Daily late payment fee: 1,000 yuan × 24 ÷ 365 ≈ 0.66 yuan.

- The total late payment fee for one year: 0.66 yuan × 365 ≈ 240.9 yuan.

Therefore, the late payment fee after one year after the construction credit card is seriously overdue is approximately 240.9 yuan.

To sum up, according to China’s relevant regulations and bank policies, the late payment penalty for a construction credit card that is seriously overdue for one year depends on the overdue amount and the calculation method of the late payment interest rate, which usually does not exceed the overdue amount. twenty four. Please note that the above information is for reference only and the specific late fee amount may vary due to changes in bank policies. It is recommended that you pay off your credit card balance in time to avoid additional late fees and impact on your personal credit record.