According to your description, the credit card has been overdue for three years, and the credit report shows that there is a record of "bad debt" and non-repayment of the credit card. In this case, you can take the following measures:

First of all, you can proactively contact the bank or credit card institution to understand your specific situation and inquire about their handling of such non-repayment situations. By actively communicating with the bank or institution, you can learn about the specific repayment methods and the required procedures and documents.

Secondly, you can work to clean up your credit history. Make sure all your current credit cards and loans are repaid on time and actively develop a good credit record. This helps gradually improve your credit profile and gradually restore your credit rating.

In addition, it is recommended that you carefully check the accuracy of your personal credit report. If you find any incorrect or incomplete information, promptly raise objections with the credit bureau and provide relevant evidence for correction.

In general, the most important thing for your current situation is to actively cooperate with your bank or credit card institution and take steps to gradually improve your credit history. Remember, it takes time and patience to restore your credit, but as long as you maintain good repayment habits and maintain effective communication with relevant parties, your credit situation will gradually improve.

Supplementary information:

Overdue credit cards and leaving a record of "bad debt" may have a negative impact on personal credit. Credit report is one of the important basis for financial institutions to evaluate personal credit status. It records personal credit information, loan records, repayment status, etc. The presence of "bad debt" records in the credit report will lower the credit rating and affect an individual's future access to financial services such as loans and credit cards.

Therefore, when using a credit card, it is recommended that you do the following:

- Reasonably plan and control consumption, ensure that you repay your credit card debt on time every month, and avoid overdue repayments;

-Check personal credit card bills regularly to ensure that the bills are accurate;

-If you have financial difficulties, communicate with the bank or credit card institution in a timely manner to avoid late repayment.

Through the above methods, you can avoid overdue credit card repayments, maintain a good credit record, and maintain a good credit status.

I hope the above answers are helpful to you! If you have any further questions, please feel free to ask.