Legal analysis: The statute of limitations for credit card debt is generally three years, calculated from the date when the right holder knew or should have known that his or her rights had been infringed. If there is an interruption, the statute of limitations starts running again.

The circumstances under which the statute of limitations may be interrupted include the following:

(1) The obligee requests performance from the obligor;

(2) The obligor agrees to perform Obligations;

(3) The right holder files a lawsuit or applies for arbitration;

(4) Other circumstances that have the same effect as filing a lawsuit or applying for arbitration.

Legal basis: Article 188 of the "People's Republic of China and Civil Code" The statute of limitations for petitioning the People's Court for protection of civil rights is three years. If the law provides otherwise, such provisions shall prevail.

The statute of limitations shall be calculated from the date when the obligee knows or should know that the right has been damaged and the obligor knows. If the law provides otherwise, such provisions shall prevail. However, if it has been more than 20 years since the right was damaged, the people's court will not grant protection. If there are special circumstances, the people's court may decide to extend the time based on the application of the right holder.