First of all, get in touch with the bank in time to understand your overdue situation. When communicating with banks, you need to know the details of overdue accounts, including overdue amount, interest and possible fines.
Secondly, negotiate with the bank to make a repayment plan. After the overdue period, a negotiated repayment plan can be proposed to repay the overdue funds in installments. When negotiating with the bank, you need to explain your repayment ability and try to get a more suitable repayment method and time limit.
In addition, debt restructuring or debt consultation can also be considered. If your overdue amount is large, or you can't repay on time, you can consult relevant debt management institutions or professionals for help and solutions.
Summary: If the credit card is overdue for three years, you need to contact the bank to understand the specific overdue situation, negotiate with the bank to make a suitable repayment plan, consider debt restructuring or debt negotiation, and find a more effective solution.
Extended data:
Overdue credit cards will have a negative impact on your credit history, which may lead to a decline in your credit rating, and then affect your future loan or credit card application. Therefore, regarding the overdue credit card, I suggest you communicate with the bank in time and take active measures to solve the problem.
Note: The debt restructuring or debt consultation mentioned in the answer is for reference only, and the specific solution still needs to be determined according to personal circumstances and laws and regulations. It is suggested that you consult relevant professionals or institutions in the specific operation process to obtain more accurate and feasible suggestions.