First of all, prosecution is a part of the legal process, not an inevitable result. Creditors can choose other ways to solve the problem of arrears, such as negotiation with debtors and collection.
Secondly, prosecution takes a certain cost and time, and creditors may consider the actual situation and economic interests to decide whether to pursue legal responsibility. If the amount owed is small or the debtor's repayment ability is weak, the creditor may choose not to sue.
Third, prosecution is also limited by the statute of limitations. According to Chinese laws, the statute of limitations for ordinary debts is generally two years. After the limitation of action expires, the creditor loses the right to recover through legal channels.
To sum up, the reason why credit card arrears have not been prosecuted for three years may be that creditors have chosen other solutions, the amount owed is small or the debtor's repayment ability is weak, and the statute of limitations has expired.
Extended data:
The treatment of credit card arrears generally includes bank collection, legal prosecution and credit record influence. The specific circumstances of each case will be different, and the application of the law may also change. If you encounter similar problems, it is recommended to communicate with creditors in time and consult relevant professionals.