1. Penalty interest for overdue credit card: after overdue repayment, the bank will charge penalty interest for unpaid items. The calculation method of penalty interest is generally based on the overdue amount and days, and the specific rate is different from bank to bank.

2. Credit record damage: overdue repayment will have a negative impact on personal credit record. Banks will submit overdue records to the personal credit information system of the People's Bank of China, which will have a negative impact on personal credit rating and may make it difficult to obtain higher loans or credit cards in the future.

3. Cost increase: overdue repayment will lead to an increase in future repayment amount. The bank has the right to add the interest, penalty interest and late payment fee during the overdue period to the next repayment, thus increasing the repayment amount.

To sum up, after the credit card is overdue for two months, the consequences of the third month repayment include: overdue penalty interest, personal credit record damage, and future repayment amount increase. Therefore, it is suggested to pay off overdue funds as soon as possible to avoid further adverse consequences.

Extended data:

Banks have different ways to deal with overdue repayment of credit cards. Under normal circumstances, overdue repayment will lead to overdue penalty interest. Penalty interest is calculated according to overdue amount and overdue days, and different banks have different interest rates. In addition, banks will also submit overdue records to the personal credit information system of the People's Bank of China, which will have a negative impact on personal credit rating. Overdue repayment will also increase the future repayment amount, and the bank has the right to add the interest, penalty interest and late payment fee during the overdue period to the next repayment.

Therefore, after the credit card is overdue, it is suggested to pay off the overdue money as soon as possible to reduce economic losses and maintain a good credit record. The overdue problem can be solved by negotiating with the bank to make a repayment plan, repaying by installments or repaying overdue funds in advance.