The calculation method for three months overdue is as follows:

1. First of all, three months overdue for a credit card refers to the period of three consecutive months starting from the overdue date.

2. Specifically, the overdue date refers to the day after the monthly repayment date, that is, the day after the due date of repayment. For example, if the due date is the 5th of each month, then the overdue date is the 6th of each month.

3. Starting from the overdue date, the period will be calculated continuously for three months until the overdue date of the current month. For example, if it is overdue on January 6th, the three-month overdue period is from January 6th to April 5th.

4. If the overdue status continues to exist within the three-month period, that is, the credit card continues to be unpaid, the credit card can be determined to be overdue for three months.

Summary:

The calculation method for credit card overdue for three months is to calculate the three-month period starting from the overdue date of each month. Only if the overdue status continues to exist during this continuous period of time, can the credit card be judged to be three months overdue.

Extended information:

Late repayment will have a negative impact on a person's credit record, which may lead to a decline in credit rating and even affect an individual's credit limit and loan ability. Therefore, it is recommended to make on-time repayments as much as possible before the repayment date to avoid overdue situations.

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