1. Credit record is damaged: three months overdue will lead to a serious negative impact on credit record and a decline in credit score. This will cause problems in applying for financial services such as loans and credit cards in the future.

2. High late fees and interest: Banks will calculate late fees and interest for overdue credit cards, which will lead to the continuous accumulation of overdue amounts and increase the repayment burden.

3. Collection action: The bank will take collection measures to recover overdue credit card payments, including telephone calls, text messages and letters. If the overdue time is too long, banks can take legal measures to recover debts.

Summary: Credit card overdue for three months will cause irreversible damage to personal credit and financial status. The destruction of credit records, the increase of late payment fees and interest payable, and the appearance of bank collection behavior will bring many inconveniences and troubles to individuals.

Extended data:

There may be other effects after the credit card is overdue for three months, such as being blacklisted, being restricted from enjoying financial services, and having a long-term impact on personal credit records. Therefore, it is very important to maintain good repayment habits.

Supplementary information: If the user fails to pay off the credit card payment within three months, the bank can bring a lawsuit to the court and apply for compulsory measures. Once the court decision is executed, the user's credit record will be further damaged, auction may occur, and personal assets or income may be sealed up, detained or frozen.

The above is the answer to the consequences of a credit card overdue for three months. The consequences of overdue credit cards are very serious. Users are advised to abide by the repayment agreement, pay off the credit card arrears in time and maintain a good credit record.