Owning a bank credit card is a breach of contract, which will lead to the continuous accumulation of debts and the corresponding consequences. If you owe the credit card of China Construction Bank 10,000 yuan, which is overdue for more than three months, and only a few tens of dollars are deducted from the card every month, the following situation will occur:

1. Penalty interest: According to the credit card contract, the bank has the right to charge penalty interest for overdue loans. It's only a few tens of dollars a month, and all the arrears can't be paid. The bank will calculate the penalty interest according to the unpaid amount and deduct it from the account balance. This means that the debt will get bigger and bigger, and it will also consume the money you have saved.

2. Credit records are damaged: banks will submit overdue records to national credit reporting agencies, which will have a negative impact on your credit records. Overdue records will remain in the credit report, which may affect your future credit evaluation results and bring difficulties to you in applying for financial services such as loans and credit cards. This is not good for personal financial situation and credit value.

3. Collection action: Banks have the right to recover overdue debts in various ways, including telephone collection, door-to-door collection and entrusted collection companies. They may ask you to repay in time by constantly collecting and reminding you to repay. If the overdue problem cannot be solved, banks can take legal measures to further increase the recovery.

To sum up, if you owe CCB a credit card of 10,000 yuan, which is overdue for more than three months, and only a few tens of dollars are deposited in the card every month, you will be deducted, which will lead to the continuous accumulation of debts, the increase of overdue penalty interest, the damage of credit record and the risk of collection action and legal proceedings.

Extended data:

According to the relevant laws and regulations of our country, if the credit card debt is overdue, the bank has the right to take different measures to collect the debt. This may include increasing overdue penalty interest, submitting overdue records to credit reporting agencies, collection actions, legal proceedings, etc. In order to maintain a good credit record and avoid the adverse effects caused by overdue problems, it is suggested to pay off the credit card arrears in time and maintain good repayment habits. If you encounter repayment difficulties, you can negotiate with the bank to make a reasonable repayment plan to avoid further deterioration of the debt situation.