According to China's credit card management regulations, once the credit card debt reaches 2,000 yuan and is overdue for 3 years, you will face the following penalties:

1. Comprehensive credit damage: Overdue credit cards will cause personal Damaged credit history. Being overdue for 3 years means that the debt cannot be repaid on time for a long time, and the credit record will be more seriously affected. This will have a negative impact on an individual's credit score and may lead to future difficulties when applying for credit-related matters such as loans, home or vehicle purchases.

2. Blacklisted credit card: The bank may blacklist the cardholder’s credit card account. This means that the cardholder will no longer be able to use the credit card for consumption, overdraft or installment payments. Blocking credit cards will bring inconvenience to cardholders’ lives and consumption habits.

3. Legal recovery: The bank has the right to take legal measures to recover the arrears. After three years of overdue payment, the bank may recover the arrears from the cardholder through legal channels, and may take actions such as litigation, seizure of property, or application for enforcement. This will cause financial and legal distress for cardholders.

To sum up, the penalties for credit card debt reaching 2,000 yuan and being overdue for 3 years include credit damage, blacklisting of the credit card and legal recourse. Due to long-term non-performance of repayment obligations, personal credit will be significantly affected and may be subject to legal recovery actions by the bank.

Supplementary information: When cardholders face overdue credit card debts, they should contact the card-issuing bank in a timely manner, negotiate and formulate a reasonable repayment plan, and proactively resolve overdue issues to reduce possible penalties and impacts. In addition, timely repayment of arrears is an important factor in maintaining personal credit and good financial status. It is recommended that cardholders plan their consumption reasonably to avoid unnecessary overdrafts and arrears.