Detailed description:

1. There is no clear stipulation on how long the credit card is overdue and must be repaid, so it is within the legal scope to repay the principal after it is overdue for 6 years.

2. During the overdue period of the credit card, interest and late fees will accumulate continuously. If only the principal is paid, but no interest and late fees are paid, the bank may take recovery measures.

According to the relevant laws and regulations of our country, banks can recover from overdue borrowers through legal channels. However, the success rate of bank prosecution and the final judgment of the court may vary according to the specific circumstances of the case.

Summary:

Although the law may allow credit cards to be in arrears for six years, and only the principal will be repaid in the end, banks still have the right to take recovery measures. Therefore, it is suggested to negotiate with the bank as soon as possible after overdue repayment, and actively seek solutions to avoid greater economic risks.

Extended data:

1. According to the relevant laws and regulations in China, overdue repayment of credit cards will generate interest and late fees. The longer the overdue period, the higher the amount of interest and late fees.

2. Banks can recover the arrears by bringing a lawsuit against overdue borrowers. Specific recovery measures may include bringing borrowers into the credit information system and entrusting collection companies.

3. Overdue repayment of credit cards may have a negative impact on an individual's credit record and affect his future credit approval and lending ability.

The above is the answer that the credit card is overdue for 6 years.