3,000 yuan plus accumulated interest and fees.

According to the regulations of China Construction Bank Credit Card, the unpaid amount will accrue interest at a daily interest rate of 5/10,000 from the date of consumption, and compound interest will be calculated monthly. If you fail to repay, interest and fees will continue to accumulate, and the amount you need to repay will continue to increase. Therefore, if the China Construction Bank credit card debt is 3,000 yuan and has not been repaid for 14 years, the amount that needs to be repaid is 3,000 yuan plus accumulated interest and fees.