you can't raise a bank credit card if it is overdue for 3 months. First of all, three months overdue means that the cardholder has failed to repay the credit card arrears on time for three consecutive months. Overdue will have a negative impact on the cardholder's credit history, and the credit card overdue for 3 months is even more serious, which usually leads to the cardholder's inability to continue to raise the card.

Specifically, the reasons why a bank credit card cannot be raised after it is overdue for 3 months are as follows:

1. A credit card overdue for 3 months is an important demarcation point set by the bank. Overdue for 3 months means that the credit status of cardholders has deteriorated seriously, and continuing to raise cards may increase the risk of banks.

2. Bank card maintenance refers to the credit sale service provided by the bank, which allows the cardholder to maintain the credit limit on the basis of monthly repayment. If the cardholder fails to repay the loan for 3 months, it means that the agreement cannot be fulfilled on time, and the bank is no longer willing to continue to provide credit lines.

3. The overdue repayment of bank credit cards will have a negative impact on the credit history of cardholders. After 3 months overdue, the cardholder's credit record will be even more damaged, which may affect future credit behaviors such as borrowing and lending.

to sum up, bank credit cards will not be able to continue to raise cards after 3 months overdue. Overdue for 3 months means that the cardholder's credit has been damaged, the bank will no longer provide the credit limit, and the cardholder's credit record will be more negatively affected.

Extended information:

Overdue repayment refers to the cardholder's failure to repay in full or the minimum repayment amount within the specified time on the credit card repayment date, that is, the credit card bill arrears are not repaid in time. The longer the overdue time, the greater the negative impact on cardholders. Banks usually take a series of measures against overdue cardholders, including but not limited to reminding, collection, taking legal measures, etc., in order to recover the arrears and safeguard the interests of banks.

Holding a credit card is a convenient and quick payment tool, but you should also pay attention to repayment on time. In order to avoid overdue repayment, cardholders can reasonably plan their consumption and ensure that they can repay on time; Establish healthy personal financial management habits and avoid exceeding your repayment ability; Set a reminder function to pay attention to the credit card bill and repayment date in time to avoid forgetting to repay.

under objective conditions, the specific handling methods of overdue bank credit cards may be different, so the specific provisions of the bank shall prevail. Cardholders can consult the relevant departments of the bank or consult relevant agreements and policies to understand the specific circumstances of their overdue and the subsequent solutions.