Hello, are you asking why the credit card email was suddenly sent after three years without it? I haven’t received an email for my credit card in three years and suddenly it was because it was sent by a third-party collection agency. If you do not repay your credit card for a long time, the credit card official may package the debt and sell it to a third-party collection company, so your credit card is said to be collected again. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.