The handling of credit cards that are overdue for more than 3 months is as follows:

First, contact the bank in time to understand the situation. You can call bank customer service or go to a bank branch in person to learn about overdue conditions and related policies. This can help you better understand the processing methods and steps.

Second, discuss a repayment plan with the bank. Negotiating a reasonable repayment plan with your bank is an important step in resolving overdue issues. You can propose a plan that you can afford, such as regular repayment or installment repayment, and negotiate with the bank to reach a consensus.

Third, fulfill the repayment plan on time. Once you reach a repayment agreement with the bank, be sure to fulfill the repayment plan on time. Repaying your loan on time can help restore your credit, avoid additional penalty interest, and help reestablish a good credit record.

To sum up, when a credit card is overdue for more than 3 months, it is a more effective way to contact the bank in time to understand the situation, negotiate a reasonable repayment plan, and fulfill the repayment plan on time. Late repayments will not only have a negative impact on your personal credit history, but will also add additional fees such as interest and penalties. Therefore, overdue issues must be taken seriously and measures must be taken to deal with them as soon as possible.

Extended information:

Overdue credit card repayments will have a negative impact on personal credit records. Credit card payments that are overdue for more than 90 days are considered seriously overdue, and banks will take a series of measures to recover the debt. This may include phone collection, door-to-door collection, and issuing lawyer's letters. At the same time, overdue repayment will also cause a person's credit record to be lowered, or even be recorded in the blacklist of the credit center, affecting various financial services such as personal loans and credit card applications.

Therefore, regarding the handling of overdue credit card repayments, it is recommended to contact the bank as soon as possible and understand the specific circumstances of the overdue payment. Different banks may have different processing methods and policies. Timely consultation can help you better understand the subsequent processing steps and requirements.

At the same time, discussing with the bank and formulating a reasonable repayment plan are also important steps to solve the overdue problem. Based on your own economic situation, propose a reasonable repayment plan and negotiate with the bank to reach consensus, which will help reduce the pressure of repayment and ensure the timeliness of repayment. In addition, overdue amounts must be repaid in full or in a timely manner or gradually according to a negotiated repayment plan to reduce additional interest, penalties and other costs.

Therefore, when dealing with a credit card that is overdue for more than 3 months, it is key to actively communicate with the bank, negotiate a reasonable repayment plan, and perform repayment on time. This can prevent personal credit damage and help rebuild a good credit history.