If your credit card is three months overdue and your bank sues you, you can take the following steps to solve the problem.

First, contact your bank as soon as possible and indicate your intention to resolve the overdue issue. You can explain your financial situation, honestly explain to the bank why you are late on your payment, and express your desire to work with them to resolve the matter. By establishing good communication with your bank, you may be able to get some solutions.

Secondly, you can discuss with the bank to develop a repayment plan. Come up with a detailed repayment plan, including the monthly payment amount you can afford and a schedule. If you can demonstrate your ability to repay as planned, the bank may consider suspending prosecution and agreeing to your repayment plan.

In addition, you may also consider seeking professional legal advice. Please consult an attorney with knowledge of credit card laws who can help you understand your rights and strategies. In accordance with domestic laws and regulations, a lawyer may help you develop a reasonable defense and negotiation plan to protect your rights and interests to the greatest extent.

To sum up, if your credit card is overdue for three months and is sued by the bank, you should proactively contact the bank as soon as possible and express your willingness to cooperate with them to resolve the overdue problem. Developing a reasonable repayment plan is key to solving the problem, and professional legal advice may be considered for better help.

Extended information:

1. Overdue repayment will have a serious negative impact on personal credit history, affecting future borrowing and credit card applications;

2 . When communicating with the bank, be patient and honest, and provide as much detailed information and proof as possible to increase the possibility of solving the problem;

3. If you cannot reach an agreement with the bank, the bank may As the legal process proceeds, appropriate legal action will need to be considered on a case-by-case basis.

I hope the above information is helpful to you. If you have more questions, feel free to ask me.