Ok, let me quote the original text of the law for your reference:
''Where a person fails to answer Police bail, proceedings must be commenced within six months of the alleged failure to answer bail, or within three months of the person surrendering to custody or being arrested or brought before a court for the Bail Act offence or the offence for which he was granted bail. It is important to ensure that local Police stations have satisfactory arrangements for the laying of an information within the six month time limit. The decision to continue any charge preferred by the Police under Section 6 of the Act should be made by the Prosecutor''.
So, it all depends upon the decision of the prosecutor(assuming the credit card company or the police) whether he wants to continue with it or withdraw it.I'm pretty sure they wouldn't have bothered after a set time and hence it would have been withdrawn.
And, regarding the arrest warrant,the overriding principle is that all warrants should be executed as quickly as possible. The decision to withdraw a warrant is a judicial one.
All outstanding warrants should be reviewed on a regular basis by the police (or court enforcement officers). The purpose of such a review is to consider what action has been taken to execute a warrant and decide what further action is necessary to execute the warrant.
If no execution is possible after a couple of attempts, this warrant would have similarly been withdrawn by the CPS.