Legal analysis: the statute of limitations for non-repayment of credit cards is 3 years. However, as long as the cardholder fails to return the credit card within the time limit, the card issuer will collect the card from the cardholder, and the collection behavior can interrupt the limitation of action. If the credit card overdue repayment is serious, it shall also bear criminal responsibility.

Legal basis: Article 188 of the Civil Code of People's Republic of China (PRC) requests the people's court to protect civil rights for three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.

Article 189 Where the parties agree to perform the same debt by installments, the limitation period of action shall be counted from the date when the last installment expires.