According to the problem description, if the credit card overdraws 10000 yuan, which is overdue for three years, how much do I need to pay back now? What will happen if you don't? Because the description mentioned that a friend cheated the credit card and ran away, he has reported the case. Now I want to answer the following questions: 1. According to China's laws, what consequences should I bear after the credit card overdraft limit is overdue for three years? 2. Is there any other solution to overdue credit card repayment? 3. In this case, what should individuals do?

According to China's laws, credit card overdue repayment will generate interest. 1 0,000 yuan overdraft is overdue for three years, and the calculated interest will be higher, so the amount to be repaid now is more. But the specific amount needs to be calculated according to the bank's specific policies and interest rates. You can consult the bank or relevant credit card institutions for details.

For the overdue repayment of credit cards, you can first contact the bank or credit card institution to explain the situation and negotiate the repayment method as much as possible. Sometimes, banks or credit card institutions will provide the opportunity to repay by installments or reduce interest rates to alleviate the repayment pressure of individuals.

In this case, individuals should actively face and deal with the problem of overdue debts. First of all, you should contact the bank or credit card institution as soon as possible to explain the situation. Secondly, if there is a report record, you can provide relevant evidence to relevant departments to ensure the fairness of handling. Finally, individuals can negotiate with banks or credit card institutions to make a reasonable repayment plan, share the repayment pressure, and avoid negative impact on personal credit records.

Extended data:

Credit cards are debit cards issued by banks or financial institutions. Cardholders can use the funds within the limit for consumption or cash withdrawal within a certain period of time, and then repay the arrears before the repayment date. If the cardholder fails to repay the loan as agreed, it will generate overdue interest, which will adversely affect the personal credit record.

Summary: the credit card overdraft is 654.38 million, which is overdue for three years. Individuals need to pay more. The specific amount should be calculated according to the bank policy and interest rate. In case of overdue repayment, you can contact the bank or credit card institution to negotiate a solution. Individuals should actively deal with the problem of overdue debts, work with banks or credit card institutions to make repayment plans, and ensure that there is enough evidence to report the case to protect their rights and interests.