She's a normal 3 year old who doesn't want to take the time to go potty. My 5 year old went through this big time.
New rule: Any time she wants to do something different, potty first. If she's been coloring and wants a snack, potty first. If she wants to watch a movie or read a book, or even go outside to play; potty first.
We also started not buying the bigger sized pull-ups and purposefully let her "outgrow" whatever size of pull-ups she was in. Then she started saying they were uncomfortable and wanted to wear big girl pants. We told her that was fine, but if she wanted to wear big girl pants then she had to use the big girl potty like she knew how, even if she woke up in the night. She said, "I use YOUR potty!" We told her we didn't care as long as she was using the potty.
We also would make mental notes of when she last went potty. If 20-30 minutes went by and she hadn't gone potty, then we'd tell her, "Okay...I need for you to go potty." She'd fuss sometimes, but we'd tell her - before you do anything else, potty first, and that if she would quit having accidents, then we wouldn't have to remind her.
Occasionally, we'd have to set the timer every 25 minutes. When it would go off, she'd say, "I know....time to go potty...."
For what it's worth - and good luck!