Hello! The credit card has been overdue for more than two years. The general steps to resolve it through negotiation are as follows:

1. Sort out the debt situation: First, understand your overdue amount and interest, and check the bill provided by the bank or credit card company . Make sure you have accurate understanding and mastery.

2. Contact the bank or credit card company: Get in touch with the relevant agency, explain your dilemma and express your willingness to solve the problem. Communication can be done by phone, email or in person at a bank branch.

3. Propose a repayment plan: Develop a feasible repayment plan based on your own financial situation. It is recommended to reasonably arrange the monthly repayment amount to gradually repay the debt, and ask the bank or credit card company to grant a grace period to extend the repayment time.

4. Negotiate interest reduction: Negotiate the possibility of interest reduction with your bank or credit card company if possible. Some institutions may consider reducing or suspending interest to help you repay your debt more easily.

5. Confirmation in writing: Ensure that the results of negotiations with the bank or credit card company are confirmed in writing, including details of the repayment plan and any special arrangements.

Summary: To solve the problem of overdue credit cards, you need to proactively contact relevant institutions and propose a reasonable repayment plan. Negotiation with your bank or credit card company is key to resolving the issue.

Extended information: During the negotiation process, pay attention to maintaining a good communication attitude and try to avoid further deterioration of your credit record. In addition, please keep in mind relevant Chinese legal provisions. According to Article 248 of the Contract Law, the borrower shall repay the debt in accordance with the agreed time limit and method and bear interest and other expenses.