Can negotiate to repay the principal. Three years after a credit card is overdue, although overdue penalties may increase, the borrower still has the opportunity to negotiate with the bank to repay the outstanding principal. The following is a detailed explanation:

First of all, a credit card loan that is overdue for three years is a long time period. During this time, banks typically use a variety of methods to collect debt, including phone calls, text messages, letters, and more. If the debtor does not take the initiative to repay or communicate with the bank, the bank may take legal measures to recover the debt.

Secondly, although the principal amount after three years of overdue payment may increase due to overdue interest, the borrower may still negotiate with the bank to repay the outstanding principal amount. During the negotiation process, the borrower can propose a one-time repayment or installment repayment plan. The specific negotiation results will be determined based on the borrower's repayment ability and the bank's policies.

In addition, borrowers should also note that during the process of negotiating principal repayment, they may be required to provide relevant proof of financial status, and may be required to bear certain handling fees or interest. Specific negotiation details need to be communicated and negotiated with the bank to reach a repayment plan acceptable to both parties.

To sum up, it is still possible to pay off the outstanding principal of a credit card debt that is three years overdue through negotiation. Borrowers can proactively contact the bank, propose a repayment plan, and actively cooperate with the bank's requirements to resolve the debt problem as soon as possible.

I hope the above information is helpful to you. If you need more information, it is recommended that you contact the relevant bank directly to obtain the most accurate and timely answer.