In fact, there may be several reasons why banks do not process credit cards that are overdue for 3 years.

First of all, banks may face restrictions in legal procedures. According to Chinese laws and regulations, banks need to follow certain procedures when recovering overdue credit card payments. For example, before initiating legal proceedings, a bank may need to issue multiple reminders and seek opportunities for the debtor to repay the debt voluntarily. During this process, the bank may give the debtor a certain grace period so that the debtor can take the initiative to repay. If the bank does not initiate legal proceedings within 3 years of the overdue date, it may be because the bank is waiting for the time limits for these proceedings to expire or is negotiating with the debtor.

Secondly, the bank may consider the debtor's repayment ability. If the debtor is unable to repay the debt within 3 years after it is overdue, the bank may postpone the recovery of the payment. This is because banks also understand that when the debtor is unable to repay, taking too tough collection measures may further increase the burden on the debtor and may also cause the debtor to be even more unable to repay. Therefore, banks may wait for a better time or seek other solutions to best protect the interests of the debtor.

In addition, the bank's internal operational and cost factors may also affect whether the bank handles the issue of credit cards that are overdue for three years. Banks need to invest a lot of manpower, material and financial resources to handle overdue repayment cases. For example, during the collection stage, they need to pay staff wages, handle legal procedures, etc. If there are many overdue cases, the bank may decide the order of processing based on factors such as priority and resource allocation, and may consider handling more serious overdue cases or cases related to larger amounts first.

To sum up, banks’ failure to process credit cards that are overdue for three years may be due to multiple factors such as restrictions on legal procedures, consideration of the debtor’s repayment ability, and internal operating and cost factors. . For overdue cases, banks may adopt different strategies and measures based on the actual situation to maximize the recovery of overdue amounts. It is worth emphasizing that for the problem of overdue credit cards, the solution should be based on actual negotiation and cooperation between the bank and the debtor, and the problem should be dealt with based on the principle of mutual benefit.