Yes. If your China Construction Bank credit card is overdue for 3 years, you can only repay the principal.

First of all, according to relevant Chinese laws and regulations, borrowers who overdue repayments can repay in the manner stipulated in the contract, and should also bear corresponding overdue interest and liquidated damages and other expenses. However, in special circumstances, some banks may consider borrowers to repay only the principal.

Secondly, as a large state-owned commercial bank, China Construction Bank has its own credit policies and internal regulations. According to the regulations of China Construction Bank, after the borrower makes overdue repayment, the bank can negotiate with the borrower to formulate a repayment plan, including deferred repayment, installment repayment, etc. In some cases, if the borrower can provide sufficient supporting materials and has the ability to repay, CCB may consider reducing or waiving fees such as overdue interest and liquidated damages.

To sum up, although we cannot directly determine whether China Construction Bank can only repay the principal, because it will make judgments based on specific circumstances, we can solve the problem of overdue repayment by negotiating a repayment plan. . When negotiating with banks, borrowers should provide sufficient supporting materials to prove their ability to repay, and they should also understand China Construction Bank's internal policies and regulations in order to better reach an agreement.

Extended information: In addition to China Construction Bank, other commercial banks will also have corresponding policies and regulations when facing overdue repayments. When borrowers encounter overdue repayment problems, they should contact the bank in a timely manner to negotiate and formulate a repayment plan, and provide relevant supporting materials based on their own circumstances to obtain better support and help from the bank.

To sum up, after the Construction Bank credit card is overdue for 3 years, the borrower can try to negotiate with the bank to formulate a reasonable repayment plan and provide relevant supporting materials to seek relief from overdue interest and liquidated damages. Possibility of waiting fees. However, the specific outcome still needs to be determined based on the borrower’s actual situation and the bank’s policies.