You can take the high-speed rail.

1. According to China Railway Corporation’s regulations, overdue credit cards will not directly affect your eligibility to take the high-speed rail after three years.

2. The determination of eligibility for high-speed rail rides is mainly based on an individual’s ID card number, rather than credit record. Therefore, even if your credit card is overdue for three years, you can still enjoy high-speed rail services as long as your personal ID number is not restricted.

3. As a public means of transportation, high-speed rail will not verify personal credit records, nor will it be used to facilitate people's travel and respect personal privacy and freedom of travel. In 2016, they were restricted from taking high-speed rail.

Extended information:

According to relevant laws and regulations in China, overdue credit cards will have a negative impact on personal credit records in many cases. Credit records are mainly collected and managed by the Credit Information System of the People's Bank of China, which is a national platform that comprehensively understands personal credit status. Severe overdue credit cards or long-term non-repayment may lead to a decline in personal credit rating, which in turn affects the application and approval of loans, credit purchases and other financial activities.

However, in the specific case of taking the high-speed rail, there are no restrictions tied to personal credit history. As a public means of transportation, high-speed rail does not require passengers to have a good credit record in order to facilitate people's travel. Therefore, even if the credit card is overdue for three years, passengers can still enjoy high-speed rail services.

In short, having a credit card overdue for three years will not affect your ability to take the high-speed rail. Qualification for high-speed rail is mainly based on a person's ID number rather than their credit history. As a public means of transportation, high-speed rail will not verify an individual's credit record in order to facilitate people's travel, nor will they be restricted from taking the high-speed rail because their credit card is overdue for three years. These regulations ensure people's right to travel.