A credit card that is overdue for 3 years is a serious problem, but it can be solved by the following points:

1. First, contact the bank or credit card company to explain the situation and communicate. Explain the reasons for the overdue loan, such as job changes, financial difficulties, etc., explain your willingness to repay, and propose a plan to repay as soon as possible.

2. Secondly, make a repayment plan and work hard to repay on time. You can negotiate with your bank for a longer repayment period or an installment plan to reduce stress. At the same time, daily expenses can be appropriately reduced and repayment capacity can be increased.

3. In addition, you can consult a professional agency for solving overdue credit card problems. These institutions have extensive experience and expertise and can assist in formulating reasonable repayment plans and negotiating with banks to reach better solutions.

To sum up, the key to solving a three-year overdue credit card is to proactively communicate with the bank or credit card company and formulate a reasonable repayment plan. At the same time, maintain a good credit record, work hard to restore your credit, and avoid being overdue again.

Extended information: Overdue credit cards will have a negative impact on personal credit records, affecting personal loan applications, home purchases, car purchases and other important matters. Therefore, resolving overdue credit card issues as early as possible is crucial to the recovery of personal financial status and credit history. When using credit cards on a daily basis, you should pay attention to reasonable planning of consumption, avoid exceeding your repayment ability, and ensure repayment on time.

In addition, for individuals, it is recommended to check credit reports regularly to understand your credit record and credit score. This can help to detect problems in time and solve them in time, improving one's credit level.

In addition, the problem of overdue credit cards exists not only across the world. There are similar solutions in other countries, that is, actively communicate with banks or credit card companies, develop a repayment plan, and abide by repayment commitments.

In general, solving the problem of overdue credit cards requires individual active efforts and cooperation spirit to achieve good results.