Credit cards that are overdue for more than 90 days are generally considered to be seriously overdue, and are handled as follows:

1. Contact the bank: First, you should contact the credit card issuing bank as soon as possible, and Explain your overdue status. Explain the reasons to the bank and express your willingness to repay to avoid further serious consequences.

2. Develop a repayment plan: After communicating with the bank, you can negotiate with the bank to develop a repayment plan that suits you, such as repayment in installments or rearranging the repayment period. This can help you avoid continuing to be overdue and pay off your balance over time.

3. Pay attention to interest and penalties: When making a repayment plan, please pay attention to calculating interest and overdue penalties. Interest and penalties accrued during overdue periods will increase the amount you need to repay, so you should try to minimize the amount of time you are overdue to reduce the incurrence of additional fees.

Summary: When faced with a credit card that is overdue for more than 90 days, contacting and communicating with the bank in a timely manner is the first step. Through negotiation with the bank, formulating a repayment plan that suits you, and paying attention to calculating interest and penalties can help you gradually solve the overdue problem.

Extended information: Different banks may handle overdue transactions differently, so the specific response methods may vary. Late payments can have a negative impact on an individual's credit history, may result in a lower credit score, and may affect future loan and credit card applications. Therefore, complying with credit card repayment regulations and avoiding overdue payments are important measures to maintain personal credit.

Supplementary information: If you are able to pay off the entire overdue amount at once during the overdue period, you can try to negotiate with the bank to reduce part of the interest or penalties. In addition, if your financial situation cannot meet the repayment requirements, you may consider consulting a professional agency, such as a lawyer or financial counselor, to obtain more specific advice and help.

Note: The above suggestions are for reference only, and the specific handling method should be determined based on the actual situation and bank policies. Timely communication with the bank and compliance with relevant repayment agreements are the keys to solving overdue issues.