The consequences of overdue credit cards for three months mainly include a decline in credit history, overdue interest, collection actions and legal proceedings. The details can be divided into the following points for detailed explanation:

1. Decline in credit record: Overdue credit card repayments will lead to a decrease in personal credit record. Banks will report overdue records to credit reporting agencies, which will affect the individual's future. Applications for loans, credit cards, etc. may be rejected or receive higher interest rates.

2. Overdue interest: Overdue credit card repayments will generate overdue interest. Usually the overdue interest is higher, which will increase the personal burden. At the same time, late repayment will also cause the bank to stop enjoying the interest-free period, so that interest will begin to be calculated immediately after each consumption.

3. Collection actions: Banks will take various collection actions, including phone calls, text messages, letters, etc., to remind and require timely repayment. Some banks may entrust third-party collection companies to collect debts, or even come to collect debts at your doorstep. The collection process can cause harassment and distress to individuals.

4. Legal action: If the overdue period is long and the amount is large, the bank or collection company has the right to take legal action to recover the debt. Once the legal process is entered into, it will bring financial and mental pressure to the individual, and even cause the property to be restricted or seized.

To sum up, being overdue on a credit card for 3 months will lead to a decline in personal credit history, additional payment of high overdue interest, and exposure to collection actions and legal proceedings. Therefore, in order to maintain your credit and avoid unnecessary trouble, it is crucial to pay off your credit card balances in a timely manner.

Extended information:

According to relevant regulations promulgated by the People's Bank of China, banks should promptly report credit card repayment records that are overdue for more than 90 days to the credit reporting agency, which will then These bad records are recorded on an individual’s credit report. Personal credit record has a crucial impact on applications for loans, credit cards, home purchases, etc. Therefore, overdue credit card repayments have a serious negative impact on personal credit records. It is recommended that everyone develop good repayment habits and ensure that credit card debts are paid off on time to avoid adverse effects on personal credit.