You can negotiate with the bank for installment payment. For situations where the credit card is overdue for 3 months and is temporarily unable to repay, the problem can be solved by negotiating with the bank for installment payment.

Specifically, the following are detailed instructions:

1. Understand bank policies: First of all, you must understand the relevant policies of the bank you hold, including installment payment conditions, handling fees, and installment periods, etc. . Different banks may have different policies on overdue installments, so be sure to understand them in advance before negotiating.

2. Contact the bank: Contact the card-holding bank to indicate your predicament and make a request for installment payment. You can contact the bank by phone, counter or online channels to explain your repayment difficulties, the length of overdue payment and your wish to make installment payments.

3. Provide relevant information: The bank may require the applicant to provide some relevant information, such as proof of income, copy of ID card, etc. This information can be used as a basis for the bank to decide whether to agree to the installment payment.

4. Negotiate the installment plan: Once the bank agrees to the installment payment, you can negotiate with the bank for the specific installment plan, such as the installment period, monthly installment repayment amount, etc. Both parties need to reach an agreement to ensure that the installment plan is consistent with their repayment capabilities.

To sum up, when your credit card is overdue for 3 months and cannot be repaid temporarily, you can approach the bank to negotiate installment payments to solve the problem. The key is to communicate proactively with the bank and provide relevant information to support your individual circumstances. Understand the bank's policies and choose a suitable installment plan based on your own capabilities.

Extended information:

Overdue credit cards will have a negative impact on personal credit records, so it is very important to communicate with the bank in a timely manner and seek solutions. Banks often offer installment payment options to help customers resolve repayment difficulties. However, specific policies and application requirements may vary from bank to bank, so it is recommended to maintain close contact with the bank and actively negotiate installment plans when resolving overdue issues.