First of all, when a credit card is overdue for three years and accrues huge interest, you can take the following measures to solve it:

First, communicate and negotiate with the bank or credit card institution. You can contact your bank or credit card institution, explain your dilemma, and request an adjustment in interest and late fees. Let them know your repayment willingness and financial situation to seek more flexible repayment arrangements.

Second, consider negotiating with professional institutions for debt restructuring. If negotiations with the bank are unsuccessful, you can consult a professional debt restructuring agency. These agencies can assist you in developing a reasonable repayment plan that reduces interest and late fees and helps you manage your debt.

Third, effectively control consumption and financial management. While paying off overdue debt, it's important to change your spending habits and how you manage money. Create a reasonable budget and stick to your repayment plan. At the same time, try to avoid using credit cards and focus on saving and investing to increase personal financial stability.

In short, when a credit card is overdue for three years and accrues huge interest, you can communicate and negotiate with the bank or credit card institution to seek adjustments to interest and overdue fees. If you are unable to successfully resolve the issue, you can seek help from a professional debt restructuring agency. At the same time, adjust personal consumption and financial management habits to ensure a healthy financial situation.

I hope the above suggestions are helpful to you. If you need more detailed information, please consult the customer service staff of relevant local institutions or banks. They can provide more accurate suggestions based on your specific situation. I wish you can resolve your debt problem as soon as possible and rebuild a good credit record.