Even if the credit card is overdue for 3 years and the bank does not sue, repayment is still required. Seriously overdue credit cards will always be recorded in the credit report. Not only will it cause a stain on the credit report, but it will also cause the bank to blacklist the user. After that, the user will not be able to handle any credit business with the bank. Bank prosecution is also a means of rights protection and collection. If you are not sued in time, you still have to maintain your personal credit life and repay the loan in a timely manner. Action suggestions:

1. Take the initiative to contact the bank to negotiate for overdue repayment. The sooner the better, take the initiative to contact the bank to negotiate. If it is not possible, make more phone calls. Because most banks use principal installments, with a maximum of 60 installments, which is a five-year repayment period. The intermediary bank does not earn a penny in interest, and the negotiation will not be successful in the first instance.

2. Be sincere and show your willingness to repay. When negotiating repayment, you must inform the bank that you are not maliciously overdrafting, and explain yourself and your current economic situation to the bank. , unable to repay the loan in full on time, but having income from work, will work hard to raise money to repay, and see if they can negotiate a repayment plan acceptable to both parties.

3. Always keep relevant evidence. Whether you are negotiating repayment with the bank or being violently collected, you must keep relevant evidence and then provide feedback to the bank. However, users must always maintain a civilized and friendly attitude.

Legal Basis

"Civil Procedure Law of the People's Republic of China"

Article 121 The complaint shall state the following matters:

(1) The plaintiff’s name, gender, age, ethnicity, occupation, work unit, residence, and contact information, the name and residence of the legal person or other organization, and the name and position of the legal representative or principal person in charge , contact information;

(2) The name, gender, work unit, residence and other information of the defendant, the name, residence and other information of the legal person or other organization;

(3) Litigation request and the facts and reasons on which they are based;

(4) Evidence and sources of evidence, names and addresses of witnesses.

"People's Republic of China and Civil Code"

Article 634: The amount of the installment payment buyer's failure to pay the due price reaches five-fifths of the total price. First, if the due price is not paid within a reasonable period of time after being urged, the seller may request the buyer to pay the full price or terminate the contract.

If the seller terminates the contract, it may request the buyer to pay the usage fee of the subject matter.

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.

Article 673: If the borrower fails to use the loan according to the agreed purpose of the loan, the lender may stop issuing the loan, withdraw the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.

Article 676 If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.