There is no difference in credit card arrears for three years, which is considered as "malicious overdraft" in terms of time concept. "Malicious overdraft" _ two restrictions are added: first, the issuing bank collects the money twice; Second, it is not returned for more than three months. However, "I haven't received the notice from the bank for three years" obviously means that I haven't received the dunning document from the bank, which leads to my failure to repay on time, and it is not a malicious overdraft. It is suggested to contact the credit card bank immediately to explain the situation. I believe that Bank of Communications can provide you with a proof of intention to owe money after paying off the arrears. If the card is still in normal condition, you can remit money through other banks, but there will be a certain time difference in the arrival time. If the card has been stopped, you need to go to the counter to repay it in person.