If you fail to repay your credit card debt for 3 months, there will be the following consequences:

1. Damage to your credit record: the bank will upload overdue records to the central bank’s credit reporting system. This can have a negative impact on your personal credit history. This will cause you to face higher interest rates or be rejected when applying for loans, credit cards and other financial products in the future.

2. Being included in the "blacklist": If you are overdue for a long time and have a large amount of debt, the bank may put you on the "bad debtor list", which will seriously affect your future employment with the bank and the Depending on the credit evaluation results of other financial institutions, you will face greater difficulty in getting a loan.

3. Penalty for breach of contract: According to the provisions of the credit card contract, high late payment fees and interest charges will be charged for late repayment. The longer you are overdue, the more fees will accumulate, potentially increasing the total amount owed.

How to deal with this situation?

1. Repay as soon as possible: Contact the bank immediately to confirm the amount owed and repay as soon as possible. If you do not have enough funds temporarily, you can negotiate with the bank to develop a repayment plan that suits you.

2. Seek help: If you encounter financial difficulties, you can seek help from banks or relevant institutions to see if you can negotiate to adjust the repayment plan or postpone repayment to avoid the accumulation of further late payment fees and interest charges.

3. Manage credit cards carefully: avoid over-reliance on credit card consumption, plan your consumption budget reasonably, and ensure repayment on time to maintain your personal credit record and avoid similar situations from happening again.

To sum up, not paying back your credit card debt for 3 months will have a negative impact on your personal credit record, which may lead to difficulties in credit evaluation and higher late fees and interest charges. Solutions include paying off your debt as soon as possible, seeking help, and managing your credit card carefully.

Extended information:

Late repayment is the behavior of credit card holders who do not repay according to the repayment period stipulated in the contract. According to China's "General Principles of the People's Republic of China and Civil Law", the credit card contract signed by the bank and the cardholder is a legal document, and the cardholder should repay the loan on time and in accordance with regulations. If the cardholder repays overdue, the bank has the right to require the cardholder to pay overdue interest, late payment fees and other fees. At the same time, banks also have the right to upload cardholders’ overdue records to the central bank’s credit reporting system, which will affect the cardholder’s credit record evaluation results.

For overdue credit cards, different banks may have different handling methods. For specific handling methods and the definition of overdue time, you can consult the corresponding bank. At the same time, cardholders should pay attention to reasonable planning of consumption when using credit cards, and ensure timely repayment to avoid overdue situations.