The bank didn't notice that the credit card was overdue and accumulated interest for several years.

According to China's credit card regulations, banks are obliged to inform cardholders of overdue information in time, and may not accumulate interest for many years. If the bank fails to fulfill the notification obligation and generates interest for more than one year, the cardholder has the right to ask the bank to return the interest.

Detailed description:

1. Credit card overdue notification responsibility: According to China's credit card laws and regulations, the bank should immediately notify the cardholder after overdue, and clearly state the overdue amount, overdue period and corresponding penalty interest.

2. Interest-bearing restrictions: According to China's credit card laws and regulations, banks may not bear interest for many years without timely notifying cardholders. Therefore, if the bank has not informed the cardholder and has generated interest for many years, the cardholder can ask the bank to return the interest.

3. Recourse: The cardholder can make a request to the bank in writing, asking the bank to return the interest accumulated for many years. If the bank refuses to return or cannot resolve the dispute, the cardholder may seek the help of relevant consumer protection organizations or arbitration institutions to resolve the dispute.

Summary:

According to China's credit card laws and regulations, it is illegal for banks to generate interest for many years without informing cardholders. The cardholder has the right to ask the bank to return the interest, and can apply in writing or seek the help of relevant institutions to solve the dispute.

Extended data:

In recent years, the credit card market in China has developed rapidly. In order to protect the rights and interests of cardholders, the state has successively promulgated a number of regulations and policies. These laws and regulations clearly stipulate the responsibilities and obligations of banks in credit card business, including the obligation to notify overdue information. If the bank fails to fulfill its obligation to inform and generates interest for many years, the cardholder can claim his rights and interests according to relevant laws and regulations and seek solutions through appropriate channels.

However, in practice, cardholders should carefully read the contracts and terms related to credit cards to understand individual rights and responsibilities. In addition, timely record and save all documents and vouchers related to credit card bills, repayment, etc. In case of possible disputes in the future.

Please note that the above information is for reference only, and the specific operations and solutions may vary according to individual circumstances and regions. For detailed consultation, please consult a professional lawyer or relevant institutions.