There are several ways to deal with a credit card that is overdue for 3 years:

First, negotiate with the bank for repayment. After being overdue for 3 years, you can proactively contact the bank and express your willingness to repay and negotiate a repayment plan. The bank may arrange for some fee or interest reductions to help you pay off your debt over time.

Second, resolve it through legal means. If negotiations with the bank are unsuccessful, you can also seek legal solutions. You can choose to sue and submit the dispute to the court. During this process, the court may issue a judgment requiring you to bear the corresponding repayment responsibility.

Third, debt clearance. In some cases, a creditor may waive the debt, which means the creditor gives up its right to pursue an overdue debt from you. This can happen if the debt is too old or the amount is small.

In short, the methods for dealing with a credit card that is overdue for 3 years include negotiating repayment with the bank, solving it through legal channels, and possibly clearing the debt.

Extended information: Credit card overdue means that the cardholder fails to repay the credit card debt on time and exceeds a certain overdue period. Being overdue will have a negative impact on an individual's credit history and will incur additional interest and penalties. Therefore, it is very important to deal with overdue credit cards promptly and properly.

The above is the answer about how to deal with a credit card that is overdue for 3 years. Hope this helps.