the annual fee owed for three years of unused credit cards depends on the annual fee standard of credit cards and whether the annual fee is exempted. Different banks or different credit card products may charge different annual fees. Generally speaking, the annual fees range from 1 yuan to 2, yuan, and the specific amount will vary according to the types of credit cards, credit status of credit card holders and bank policies. If the credit card has not been used for three years, the cardholder may have to pay an annual fee for three years. Suppose the annual fee for a credit card is 5 yuan, then the annual fee for three years is 15 yuan. However, some credit cards can be exempted from the annual fee if they swipe their cards for a specified number of times or spend a certain amount within one year. Therefore, if the credit card has not been used for three years, how much annual fee is owed, it needs to be judged according to the actual situation of the credit card. In addition, if the credit card is overdue, there will be overdue charges. Credit card overdue fees are generally calculated according to a fixed proportion charged every day, which is usually between .5% and .1%. Suppose the credit card is in arrears in 1 yuan, and the overdue fee is calculated at the rate of .1% per day for three years, so the overdue fee is about 195 yuan. Therefore, if the credit card has not been used for three years and the arrears are overdue, the amount that the cardholder needs to pay may include annual fees and overdue fees, and the specific amount needs to be calculated according to the actual situation.