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问题	信用卡3000逾期两年还5000 -法律知识
释义	法律分析：需要具体计算年利率，超出国家规定部分可以不还，没有超出的话就要正常还款。法律依据：《最高人民法院关于人民法院审理借贷案件的若干意见》第六条民间借贷的利率可以适当高于银行的利率，各地人民法院可根据本地区的实际情况具体掌握，但最高不得超过银行同类贷款利率的四倍（包含利率本数）。超出此限度的，超出部分的利息不予保护。
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