detailed description:

1. First of all, according to the laws of China, the overdue credit card will affect the personal credit record, but it may not necessarily be investigated for legal responsibility. Therefore, the bank chooses not to prosecute and not to collect money, which means that the debtor does not need to take the initiative to repay for the time being.

2. Secondly, banks may give up prosecution and collection for various reasons. For example, the overdue time is long, and the bank thinks that the cost of debt recovery is too high; Or the amount of debt is small, the bank does not pursue the repayment responsibility in consideration of maintaining the long-term cooperative relationship with customers.

3. In addition, although the bank does not sue or collect money, the credit card debt overdue for three years has not disappeared. Debt will generally remain in the bank and continue to be included in the personal credit record. This means that the debtor may encounter problems such as limited credit card limit and loan difficulties in the future.

Summary:

To sum up, although banks choose not to sue and not to collect debts with credit cards overdue for three years, it does not mean that debtors need not repay them. The debt still exists, which will have a negative impact on the debtor's personal credit and may cause inconvenience to loans in the future.

Extended information:

According to the Contract Law of the People's Republic of China, the creditor has the right of recourse against the debtor. But whether to sue or collect debts depends on the creditor's decision. In some cases, banks will also choose not to pursue the debtor's repayment responsibility according to the specific circumstances, mainly considering factors such as maintaining customer relations and recovering debt costs. Therefore, even if the bank does not sue or collect money, the debtor still has the obligation to repay, and may be affected by the credit record.

please note that the above information is generally interpreted, and the specific situation may be different due to factors such as regions and banking policies. If you are faced with similar problems, it is recommended to consult professionals or relevant legal institutions to obtain accurate legal advice and case guidance.