Hello, regarding the credit card debt of 20,000 yuan that has not been repaid for three years, the following is my answer:

First of all, in this case, you should take action as soon as possible. Solve problems. You can take the following measures:

1. Understand the status of your debt: First, understand the specific status of your debt, including the specific amount, interest, repayment period and other information. You can obtain this information by contacting your credit card institution or checking your credit card statement.

2. Communicate with the credit card institution: Inform the credit card institution of your predicament and explain your willingness to repay. Try to negotiate a repayment plan with them that works for both of you to ease the burden and re-establish your credit.

3. Seek professional help: If the credit card institution fails to provide a reasonable solution, you can consult professionals, such as lawyers or credit card consulting institutions, for their advice and help.

To sum up, when faced with the situation of not paying back 20,000 yuan on a credit card for three years, you must first understand the status of the debt, and then communicate with the credit card institution to find a reasonable solution. If necessary, seek professional help to solve the problem.

Supplementary information:

1. Overdue repayment of credit card debts will cause damage to your credit record, affect your personal credit rating, and may even be included in the "list of dishonest persons subject to enforcement." Affect future loan and credit card applications, etc.

2. If you encounter difficulties and are unable to repay the entire amount owed, you can try to pay the minimum repayment amount to reduce the accumulation of overdue fees and interest.

3. Establish a good financial plan and arrange expenditures reasonably to ensure that you can pay off your credit card debt on time in the future.

I hope the above information can be helpful to you. If you need further guidance and help, please consult relevant professionals in time. Good luck resolving the issue and restoring your good credit history.