The policy for handling credit cards that are overdue for eight years has the following aspects. First, the bank may take legal action to recover the outstanding balance. Secondly, overdue records will be recorded in personal credit reports, which will have a negative impact on personal credit evaluation. Finally, the creditor may entrust a third-party agency to collect the payment.

First of all, banks can pursue overdue amounts through legal means. According to relevant laws and regulations in China, banks have the right to sue debtors who have overdue repayments through courts and require them to repay outstanding amounts through legal channels. This may include bringing civil proceedings or applying for enforcement.

Secondly, overdue records will be recorded in personal credit reports, which will have a negative impact on personal credit evaluation. According to regulations of the People's Bank of China, credit card repayment records that are overdue for more than 90 days will be included in personal credit reports, which may lead to a decline in personal credit ratings. This will have a negative impact on individuals applying for loans, credit cards, renting houses, etc.

Finally, creditors can entrust a third-party agency to collect overdue amounts. Banks may entrust overdue credit card accounts to collection agencies or law firms for collection. These agencies can use various means, such as telephone collection, door-to-door collection, etc., to urge debtors to repay outstanding debts.

To sum up, the policy for handling credit cards overdue for eight years includes legal recovery, personal credit impact and entrusted collection. If it is overdue for eight years, the bank may take legal measures to recover the payment. Overdue records will affect personal credit evaluation, and a third-party agency may be entrusted to collect the money. Therefore, it is recommended to pay off overdue amounts in a timely manner and maintain a good credit record.

Please note that the above answers are for reference only, and specific processing policies may vary depending on personal circumstances, regions and bank policies. To avoid bad credit records and legal disputes, please communicate with banks or professional institutions in a timely manner to seek substantive help and advice.