Overdue credit cards will have serious consequences, including the following points:

1. Decline in credit rating: Three overdue credit cards may lead to a decrease in credit rating, which will have a negative impact on your future loan applications and purchases. Financial transactions such as homes or vehicles are affected.

2. High late payment fees and interest: Every overdue payment will generate late payment fees and high interest, which will increase the repayment burden and make the debt heavier.

3. Limit credit limit and borrowing ability: Banks may limit your credit card limit and carefully consider whether to approve it when you apply for a loan.

Methods to eliminate overdue records:

1. Repay on time: Make sure to repay your credit card bills on time in the future to avoid being overdue again.

2. Negotiate with the bank: If there is currently an overdue amount, you can negotiate with the bank to formulate a repayment plan and pay off the overdue amount as soon as possible.

3. Establish a good credit record: Through on-time repayment and responsible lending behavior, gradually restore your credit record and improve your credit rating.

Summary:

Overdue credit cards will seriously affect personal credit records and financial transaction capabilities. To eliminate overdue records, you need to repay your loans on time and negotiate a repayment plan with your bank. At the same time, establishing a good credit history is also the key to restoring your credit rating.

Extended information:

Late repayment will leave a record in the personal credit report, and repeated overdue payments may cause the credit rating to deteriorate. Credit ratings are an important basis for financial institutions to assess personal credit risks. Low credit ratings will have a negative impact on lending, renting, insurance, etc. Therefore, it is important to make timely repayments and avoid overdue payments. Once an overdue payment occurs, proactive communication with the bank and taking effective measures to solve the problem can reduce the damage to personal credit.

The above are answers based on general financial knowledge. For specific situations, the severity of the consequences and elimination methods need to be determined according to the relevant laws and banking policies in your area. It is recommended to consult a local professional or bank for more accurate information.