Yes, even if the credit card (debit card) is overdue for three years, if the bank does not sue, you still need to continue to repay the arrears.

Detailed description:

1. Legal liability: According to China's creditor's rights laws and regulations, cardholders need to bear legal liability for debts incurred when using credit cards. Overdue repayment is a breach of contract, and the bank has the right to ask the cardholder to repay the arrears.

2. overdue interest: even if the bank does not sue you, interest will still be generated during the overdue period. This means that your debt will increase over time, so it is recommended to pay off the outstanding loan as soon as possible.

3. Repayment records: Overdue repayment will have a negative impact on personal credit records. This may lead to difficulties when you apply for other credit products in the future, such as loans and housing loans.

4. Legal risk: Although the bank has not sued you at present, please note that overdue repayment is an act involving legal responsibility. Banks have the right to take legal action to recover debts at any time within the scope permitted by law.

To sum up, even if the bank doesn't sue you, as a borrower, you still have the responsibility to continue to repay overdue loans. It is suggested to repay the loan as soon as possible to avoid further interest and adverse effects on personal credit records.

Supplementary information:

If overdue loans are not effectively resolved, in some cases, banks may take further measures to recover the arrears. This may include entrusting a third-party collection agency, freezing relevant accounts, and including arrears in credit records. Therefore, in order to avoid possible legal risks and additional costs, it is suggested to communicate with banks in time, seek repayment arrangements and start to solve the loans overdue problem.