If your credit card account is more than 90 days past due, you need to take some steps to resolve the issue. First, you should contact your credit card issuer as soon as possible to learn about the specific overdue situation and payment plan. Secondly, you can negotiate with the card issuer to develop a repayment plan to gradually pay off the overdue amount in installments. Finally, according to the recommendations or requirements of the credit card issuer, you may be required to provide relevant personal financial information or guarantee measures to ensure your repayment ability.

Explanation of points:

1. Contact the card issuer: Contacting the credit card issuer in a timely manner is an important step in solving overdue issues. Contact the card issuer via phone or online channels to learn the details of the overdue payment, including the overdue amount, overdue period, and possible interest and penalties.

2. Negotiate a repayment plan: Negotiating a repayment plan suitable for both parties with the card issuer is the key to solving the overdue problem. You can propose a plan to pay off the overdue amount over time and explain your ability and willingness to repay. The card issuer may agree to your repayment plan or propose modifications based on the actual situation and credit history.

3. Provide relevant information or guarantee measures: According to the requirements of the credit card issuer, you may need to provide some personal financial information to prove your repayment ability. In addition, in some cases, the card issuer may also require you to provide security measures such as a guarantor or collateral to ensure repayment.

Summary:

Credit card accounts that are more than 90 days past due require proactive action to resolve the problem. The first step is to contact your credit card issuer to learn about the past due status and negotiate a repayment plan. You may also be required to provide relevant personal financial information or security measures to prove your ability to repay. Resolving overdue issues takes time and effort, but through cooperation and effort with the card issuer, it is possible to pay off overdue amounts over time.

Extended information:

Overdue credit cards may have a negative impact on an individual's credit record. Overdue records will be recorded on personal credit reports and have a negative impact on future applications for loans, credit cards or other credit products. Therefore, dealing with overdue issues in a timely manner is an important step in maintaining personal credit. In addition, according to relevant Chinese regulations, overdue credit cards may cause the card issuer to take legal measures to recover compensation, including but not limited to civil litigation, enforcement and other measures. Therefore, overdue issues should be resolved as soon as possible to avoid possible legal disputes and economic losses.

Please note that the above information is for reference only, and overdue issues should be handled according to the policies and requirements of the credit card issuer.