I will give detailed answers to your questions.

1. First of all, if your credit card is overdue for three years, the amount required to be paid by the other party may far exceed the initial loan. The reason why I received the call from the Public Security Bureau was because the other party reported the problem through legal channels and involved a criminal case.

2. Specifically, the following are some aspects that you may need to know:

a. Prosecution procedures: A credit card that is overdue for three years will also be considered a criminal act. You can report the crime to the public security organs, which may then intervene in the investigation.

b. Police action: The public security agency may interview you, require you to repay the loan, and assist in collecting evidence to support the other party's prosecution. They may ask you to provide evidence such as relevant bank statements.

c. Legal consequences: According to the criminal law, serious refusal to pay debts may be deemed as contract fraud and may be punished with up to three years in prison, short-term detention, or a fine.

3. Summary: A credit card that is overdue for three years will also trigger criminal liability, which may lead to interviews, evidence collection, legal prosecution and other consequences. If you receive a call from the public security agency, it is recommended that you actively cooperate with the police to handle the matter. At the same time, try to negotiate the repayment with the credit card issuer as much as possible and try to solve the problem.

4.

Extended information: When credit card payments are overdue, overdue interest and late fees will accumulate, leading to an increase in debt. And, it's important to note that defaulting on a debt can have a serious negative impact on your personal credit record, potentially affecting your future borrowing and credit trust.

I hope the above answers can provide you with some help. If you need more information or have other questions, please feel free to let me know.