Is it considered a malicious overdraft if I haven’t received a bank notification for my credit card debt for 3 years? A credit card debt that has not gone bad for 3 years is considered a "malicious o

Is it considered a malicious overdraft if I haven’t received a bank notification for my credit card debt for 3 years? A credit card debt that has not gone bad for 3 years is considered a "malicious overdraft" from the perspective of time. "Malicious overdraft" has two restrictions: one is two collections by the card-issuing bank; Not returned for more than three months. However, "I haven't received a notice from the bank for credit card debt for 3 years" is obviously because I didn't receive the bank's reminder document, which led to the failure to repay on time, and it does not constitute a malicious overdraft. It is recommended that you contact your credit card bank immediately and explain the situation. I believe that Bank of Communications will be able to provide you with a certificate of intention to owe the goods after repaying the outstanding balance. If the card is still in normal condition, you can make remittance and repayment through other banks, but there will be a certain time difference in the arrival time. If the card has been deactivated, you need to go to the counter in person to make repayment.