If you haven’t paid back your credit card for several years, you can negotiate with the bank for repayment; refer to the following steps:

1. First, ask clearly what the principal, liquidated damages and interest in the credit card debt are, respectively. How much is it;

2. Find the head office at the place of residence or the person in charge of the card center to negotiate repayment;

3. The funds are sufficient, and you can negotiate for a reduction or exemption and settle it in one go. . If the money is not enough, negotiate for a reduction or exemption and then repay in installments;

4. After paying off the debt, ask the bank to issue a settlement certificate.

Consequences of overdue credit card repayment

1. Failure to repay overdue credit card after overdraft is a breach of contract. The bank can require the cardholder to repay the principal, overdue interest, late payment fees, Over-limit fees, etc., if the bank sues in court and wins, the cardholder will have to bear the litigation costs;

2. If the cardholder maliciously overdrafts a certain amount for the purpose of illegal possession and fails to repay after the due date If the payment constitutes the crime of credit card fraud, you must also bear criminal liability;

3. Failure to repay the loan after the due date will leave a bad credit record for the cardholder, which will have an impact on the cardholder's future loans and other behaviors. .

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China

The cardholder has overdrafted beyond the prescribed limit or within the prescribed period, and the card-issuing bank has called for collection If the cardholder still fails to return the credit card after using a forged credit card or a credit card obtained fraudulently with false identification, if the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not less than 200,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated.