Overdue credit cards will generally be reduced after three consecutive months of non-payment.

Details:

1. Overdue credit card means that the cardholder fails to repay the minimum payment amount or full repayment of the credit card bill on time.

2. When a credit card holder fails to repay for three consecutive months, banks usually reduce their credit limit.

3. The bank will decide whether to reduce the limit based on the cardholder's repayment record, credit rating and other factors.

4. Overdue repayment will affect the credit record. The bank may think that the cardholder's repayment ability has declined, and thus reduce the credit limit to reduce risks.

5. The longer the overdue period, the more severe the measures the bank may take, including reducing the limit, freezing the account or even closing the credit card.

Summary:

After a credit card is overdue for more than three months, the bank may reduce the cardholder's credit limit. This is because continuous late repayments will affect the credit record. The bank believes that the cardholder's repayment ability has declined, thereby reducing the credit limit to reduce risks. The longer the overdue period, the more severe the measures taken by the bank.

Extended information:

Late repayment will not only lead to a reduction in credit limit, but may also trigger high interest, late fees and other fees. Therefore, cardholders should always maintain good repayment habits and ensure that they pay off their credit card bills on time. If you are unable to repay the loan in time, you can contact the bank and explain the situation, and strive to obtain a certain grace period or formulate a reasonable repayment plan.