1. Even if your credit card has been overdue for 3 years, you can still negotiate repayment. Three years overdue does not mean that there is no chance to solve it. With the help of negotiated repayment, it is still possible for you to deal with the overdue situation and gradually pay off the arrears.

2. Negotiated repayment needs to consider the following points:

A. Contact the bank: First of all, you need to contact the card-issuing bank to explain your repayment intention and seek their assistance. You can consult the relevant information by telephone, email or in person at the bank outlets.

B. Repayment plan: In the process of communication with the bank, suggestions on making repayment plan can be put forward. You can put forward a reasonable repayment amount and cycle according to your financial situation and reach a consensus with the bank.

C. Interest rates and fees: When negotiating repayment, you also need to discuss with the bank how to deal with interest and late fees. We can try to lower the interest rate or reduce some late payment fees, and better deal with overdue situations by reducing the repayment burden.

3. Summary:

After the credit card is overdue for 3 years, there is still the opportunity to negotiate repayment. Actively communicating with banks and proposing repayment plans can reduce repayment pressure, gradually pay off debts and rebuild credit records.

4. Extended information:

In practice, the repayment policy negotiated by each bank may be different. Therefore, before communicating with banks, it is recommended that you know the policies of relevant banks on overdue accounts in advance, so as to better prepare for negotiating repayment plans. At the same time, you can consult a professional financial service institution or law firm to get more specific guidance on credit card overdue and agreed repayment.

Please note that the above answers are for reference only. If necessary, please refer to our actual policies and requirements. The key to solve the overdue problem is to communicate with the bank as soon as possible and seek professional help. I wish you a smooth solution to the problem of overdue credit cards.