I can answer your question. Credit cards that are overdue for 3 months usually cannot be rescheduled.

First of all, being overdue for 3 months on a credit card is a bad credit behavior and will have a negative impact on your personal credit record. Banks usually take some measures against overdue customers, one of which is to suspend the customer's installment payment service. Therefore, after 3 months of overdue payment, you are usually no longer able to enjoy the credit card installment payment service.

Secondly, banks will decide whether to provide installment services based on the customer’s credit history and repayment ability. Records that are overdue for 3 months will be recorded by the bank and reduce the customer's credit rating. In this case, the bank usually considers the customer's ability to repay the loan to be at risk and is therefore unwilling to provide installment payment services.

To sum up, after a credit card is overdue for 3 months, you can usually no longer enjoy installment payment services. Overdue payments will damage personal credit records, lower credit ratings, and make banks consider customers' repayment abilities to be at risk, making them reluctant to provide installment payments.

Extended information:

In addition to the overdue record of credit cards, an individual's debt status, income, etc. will also affect whether the bank is willing to provide installment payment services. In the eyes of banks, customers who have no overdue records, a stable source of income, and a reasonable debt burden ratio are more likely to get the opportunity to pay in installments.

In addition, banks may also be flexible in dealing with customers who are overdue for a long time under certain special circumstances. For example, you can negotiate with the bank to provide a reasonable repayment plan to pay off the debt, and then regain eligibility for installment payments.

In short, it is very important to maintain a good credit record and repayment ability, which allows individuals to obtain more opportunities for financial services, including installment services. If you are accidentally overdue, communicating and solving the problem in a timely manner and reaching a reasonable agreement with the bank will help restore your credit and enjoy the convenience of installment payment.