1. Credit record damage: overdue credit cards will leave a record in your credit record, which will have a negative impact on your future financial transactions such as applying for loans and buying houses.

2. Decline in credit score: Overdue credit cards will lead to a decline in your credit score, which means that your credit risk will increase, and you may face higher interest rates and restrictions, or be rejected by financial institutions.

3. collection and legal consequences: overdue credit card debts may enter the collection stage, and banks or other creditors may take legal measures to recover debts, such as entrusting lawyers or collection agencies to intervene.

to sum up, the consequences of overdue credit cards for up to three years are serious. Your credit record and score will be negatively affected for a long time, which may lead to difficulties in financial transactions. In addition, you may face collection and legal consequences.

Extended information:

The consequences of overdue credit cards may vary according to personal circumstances and bank policies. In some cases, banks may take measures such as reducing debts and providing installment repayment to help borrowers repay. However, in the case of long-term overdue without consultation with the bank, the consequences mentioned above are more common.

At the same time, it should be noted that due to China's personal information protection law and other relevant laws and regulations, the specific details of credit records and scores may not be publicly inquired. Therefore, if you have specific circumstances or need to know more about relevant laws and regulations, please consult professional financial institutions or legal institutions.

the above is the answer to the possible consequences of overdue credit cards after three years. I hope it will help you.