The principal of the credit card has been paid off three years ago, and the penalty interest and liquidated damages can be negotiated. Credit card interest and penalty fees are recoverable. If you want to reduce the interest on overdue credit cards, you can talk to the bank's credit manager. Under normal circumstances, when cardholders go to the bank to negotiate for interest suspension or personalized installment services, it is difficult for the bank to agree, which means that the bank has to reduce its own income. However, cardholders can negotiate with the credit manager. They must first express their willingness to repay, and then show proof that they have a certain ability to repay. When a credit card is overdue for more than three months and the credit card bill exceeds the cardholder's ability to bear, there is room for negotiation.