Legal analysis: the limitation of action is 3 years. According to relevant laws and regulations, the limitation of action for credit card arrears is generally three years, counting from the day when the obligee knows or should know that his rights have been infringed. If there is an interruption, the limitation of action will start again. The limitation of action is interrupted when the obligee requests the obligor to perform, the obligor agrees to perform, and the obligee brings a lawsuit or applies for arbitration, which has the same effect as bringing a lawsuit or applying for arbitration.

legal basis: article 188 of the civil code of the people's Republic of China requests the people's court for protection of civil rights, and the limitation period is three years. Where there are other provisions in the law, such provisions shall prevail. The limitation period of action shall be counted from the day when the obligee knows or should know that the right has been damaged and the obligor. Where there are other provisions in the law, such provisions shall prevail. However, if more than 2 years have passed since the right was damaged, the people's court will not protect it. Under special circumstances, the people's court may decide to extend it according to the application of the obligee.