The remedies for credit cards that are overdue for 2 years are as follows:

1. Pay off the debt in time, proactively explain the situation to the bank, and keep the account in normal condition;

2. Do not cancel the card because it is overdue. After the expiration date, you should continue to use the credit card normally, spend more, repay on time, and replace the overdue record with a new repayment record;

3. Do not lose contact after the expiration date. Let the bank consider the overdraft and arrears as malicious, otherwise you may be sued by the bank.

What are the consequences of an overdue credit card?

The consequences of an overdue credit card are as follows:

1. The party concerned needs to pay interest for the overdue period;

2. It may produce a bad credit record;

3. If the loan is overdue for a long time, banks and other financial institutions may file civil lawsuits demanding repayment.

Legal basis: Article 196 of the "Criminal Law of the People's Republic of China"

The crime of credit card fraud involves one of the following circumstances: carrying out credit card fraud activities with a relatively large amount If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Using it fraudulently Others’ credit cards;

(4) Malicious overdrafts.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it for the crime of theft shall be convicted and punished in accordance with the provisions of Article 264 of this Law.