Credit card loan 100w has not been repaid for three years, which is a borrowing behavior. Overdue, after the expiration of the reasonable period agreed in the contract, the loan institution or bank will collect it. If it is overdue, the lending institution or bank may bring a lawsuit to the court. After winning the case, if the court decision is not fulfilled within the performance period, it will apply to the court for enforcement. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law. If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. Those who have the ability to refuse to execute are suspected of refusing to execute the judgment or ruling.

Legal basis: Article 313 of the Criminal Law refuses to carry out the judgment or ruling of the people's court, and if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.