Overdue credit card payments for three months will have the following consequences:

1. Credit record damage: Overdue credit card repayments will cause a negative impact on personal credit records. The bank will report overdue records to the credit bureaus, which will leave a record on the individual's credit report and may affect future credit loans and other financial transactions.

2. Penalty interest and late payment fees: Late repayment will cause the bank to charge penalty interest and late payment fees to the cardholder. Penalty interest refers to the interest incurred when the cardholder fails to repay the balance on time, which is usually higher than the normal interest rate. Late payment fees are penalties imposed by banks on cardholders for late repayments. The amount is usually a certain percentage of the balance owed. As the overdue period increases, the amount of penalty interest and late fees will also gradually increase.

3. Restrict the use of credit cards: Overdue credit card repayments may result in the credit card being frozen or restricted in use. The bank has the right to suspend the cardholder's credit card function after the expiration date, which means that the cardholder cannot continue to make purchases and withdraw cash. This will bring inconvenience to cardholders' daily life and consumption.

4. Collection and legal proceedings: Three months after the credit card is overdue, the bank may take collection measures, such as phone calls, letter notifications, etc. If the collection is ineffective, the bank has the right to transfer it to a professional collection agency or take legal action to recover the debt.

Summary: A credit card that is overdue for three months will have a negative impact on your personal credit record, lead to penalty interest and late fees, and limit the use of the credit card. If overdue issues are not resolved, you may face the risk of collection and legal action.

Extended information: Depending on the region and bank policies, the specific consequences of overdue credit cards may vary. It is recommended that cardholders contact the bank as soon as possible after overdue payment and actively seek solutions, such as deferred repayment, installment payment, etc. In addition, a good repayment history is important for cardholders to maintain a good credit history and credit rating, so ensuring on-time repayments is key to establishing healthy financial habits.