Legal analysis: The "People's Republic of China and Civil Code" stipulates that the statute of limitations for overdue repayment of credit cards is three years, but as long as the cardholder repays the credit card overdue, the card issuer will take action. If the cardholder engages in collection, the collection action can interrupt the statute of limitations. If the overdue credit card repayment is serious, you will also need to bear criminal liability.

Legal basis: "The People's Republic of China and the Civil Code"

Article 188 The statute of limitations for petitioning the People's Court for protection of civil rights is three years. If the law provides otherwise, such provisions shall prevail.

The statute of limitations shall be calculated from the date when the obligee knows or should know that the right has been damaged and the obligor. If the law provides otherwise, such provisions shall prevail. However, if it has been more than 20 years since the right was damaged, the people's court will not grant protection. If there are special circumstances, the people's court may decide to extend the time based on the application of the right holder.

Article 189: If the parties agree to perform the same debt in installments, the statute of limitations shall be calculated from the expiration date of the last installment.