It's hard to say. This is related to your credit limit and the amount you owe. Under normal circumstances, it almost doubles a year. You can calculate, the interest rate is 0.5 ‰ per day, with monthly compound interest, and there is a late fee of 5% of the minimum repayment amount. If the limit is exceeded, an overrun fee of 5% of the overrun amount will be charged. If the credit card is overdue, it is usury. Try to repay the credit card in full. If you owe 10,000 yuan, the difference is 1 cent. Sorry, you have to calculate the interest on this 10,000 yuan (except ICBC). Don't cancel the card when it expires. Keep the credit card for 24 months after it is paid off. Check at any time to see if there is anything mentioned in the previous paragraph. If the card is not sealed, it is recommended to use it normally for 24 months, but you must repay it on time, so that your bad record will be covered after 24 months. If the card is cancelled, it will take at least 5-7 years to cover it.