Credit cards that are overdue for more than 90 days should be dealt with in the following ways:

First, contact the bank as soon as possible to understand the specific overdue situation and the remedial measures that need to be taken. You can handle relevant matters by calling the bank's customer service number or going to the bank counter in person.

Second, formulate a repayment plan to ensure that repayments can be made in a timely manner. You can negotiate with the bank to repay in installments or adjust the repayment date to reduce the financial burden and avoid further late payment fees and penalty interest.

Third, try to avoid recurrence of overdue payments and strengthen self-management and monitoring of credit card usage. It is recommended to set up a reminder function to check credit card bills in a timely manner to ensure on-time repayment.

To sum up, after a credit card is overdue for more than 90 days, you need to contact the bank immediately to understand the overdue situation and formulate a repayment plan. At the same time, you need to pay attention to avoid recurrence of overdue payments, strengthen self-management and monitor the use of credit cards.

Extended information:

Late repayment will have a negative impact on a person's credit record, which may lead to a decline in credit rating, thus affecting personal loans, credit card applications and other financial services. Therefore, to maintain a good credit history, it is very important to repay your loans on time.

If the overdue payment is not handled in a timely manner, the bank may take further measures, such as issuing a collection notice to the individual, entrusting a lawyer to pursue legal recovery, etc.

In order to avoid overdue problems, it is recommended to plan your expenditures reasonably when using credit cards to ensure that you can repay on time. If you do encounter financial difficulties, you can negotiate with your bank to find a solution to prevent overdue payments from becoming a long-term problem.

Finally, as a powerful financial tool, credit cards can bring a lot of convenience to life if used appropriately. We need to abide by the repayment regulations of credit cards and maintain a good credit record so that we can enjoy the convenience of more financial services when needed.