2. Detailed description:

A first of all, I suggest you contact ICBC to express your willingness to solve the problem and consult their repayment arrangements and conditions.

B. Depending on the specific circumstances, the bank can provide a repayment plan to repay the overdue amount in installments. This can help you spread the payment pressure, but you may have to pay late fees or interest.

C. In addition, you can also try to negotiate with the bank to reduce some late fees or interest, especially if you can prove that your repayment ability is limited.

3. Summary: If the industrial and commercial credit card is overdue for three years, it can be settled through consultation with the bank. If it needs to repay the 3,000 yuan overdue for two years, it can be negotiated with the bank to reduce the late payment fee or interest as much as possible.

4. Extended information:

Please note that the above suggestions are general guidance, and the actual effect may vary according to personal circumstances and bank policies. For more accurate information and solutions, please contact China Industrial and Commercial Bank directly and consult its customer service department.