First of all, contact the credit card issuing bank or the debt collection department, take the initiative to explain the situation and express willingness to pay off the arrears. You can communicate by phone, email or bank counter. Establishing a good communication channel with creditors is the first step to solve the problem.
Next, understand the personal economic situation and determine the repayment amount that can be borne. Make a repayment plan according to your repayment ability. You can consider installment repayment, one-time full repayment or debt restructuring. Negotiate with creditors to reach a repayment agreement and ensure that it can be fulfilled on time.
During the repayment period, the repayment amount of each installment shall be paid in strict accordance with the agreement. It is important to abide by the repayment plan. You can set the automatic repayment function to avoid penalty interest and overdue fees caused by forgetting to repay and delaying repayment.
Summary: To deal with the problem of not paying back the credit card for three years, we should first take the initiative to contact the creditors and explain that we are willing to pay back, and negotiate with them to reach a repayment agreement. Then according to the personal economic situation, determine the repayment ability and make a suitable repayment plan. During the repayment period, it should be performed in strict accordance with the agreement to avoid overdue and penalty interest.
Extended data:
If the credit card is not in arrears for a long time, it will damage the credit record, affect the personal credit rating, and restrict financial services such as loans and credit card applications. Therefore, it is an important step to deal with the problem of credit card arrears in time to protect personal credit. In the process of repayment, you can consult a professional credit consulting agency to seek professional help and advice to ensure the feasibility of the repayment plan.
Please note that the above answers are for reference only, and the specific situation needs to be determined according to the individual's actual situation and creditor's policy. It is suggested to deal with the problem of credit card arrears as soon as possible to avoid further interest and expenses.