Based on the information you provide, the bank may sue you for unpaid credit card debt. The specific explanation is as follows:

1. Reasons why the bank may sue you:

The reason why the bank will consider suing you for unpaid credit card debt is that the overdue amount is large and the arrears have been delayed for a long time For two or three years. In this case, the bank may believe that you have failed to fulfill your repayment obligations and have caused financial losses, so it may take legal measures to recover the arrears.

2. The process of bank prosecution:

The bank prosecution process may include the following steps:

- First, the bank may file a lawsuit in writing or by phone Urging you to repay and providing you with the opportunity to repay.

- If you still refuse or fail to repay, the bank may report your information to the credit bureaus, which will have a negative impact on your personal credit record.

- If the bank decides to sue you, they will go through legal proceedings to summon you to court and provide evidence to support their claim.

3. Suggestions for solving overdue debts:

If you are facing the problem of overdue credit card debts, it is recommended that you take the following measures:

- Communicate with your bank as soon as possible And look for ways to solve the problem, such as setting up a repayment plan or taking out a short-term loan to pay off the balance.

- Check your personal credit record in a timely manner to understand your credit status and take measures to restore your credit, such as developing good repayment habits.

In summary, it is possible for a bank to sue you for outstanding credit card balances, but the final decision on whether to pursue legal recourse depends on the bank's strategy and evaluation of the case. In order to avoid further legal risks, it is recommended that you actively communicate with the bank and seek solutions. Checking your personal credit record can help you understand your credit status and take appropriate measures to restore your credit.

Please note that the above are only general suggestions, and the specific situation needs to be determined according to the relevant legal regulations and bank policies in your location. It is recommended that you consult a professional body or solicitor for specific advice tailored to your circumstances.