Generally speaking, a credit card that is overdue for more than 90 days is considered a defaulter.

Details:

1. Overdue credit card means that the cardholder fails to repay the outstanding balance according to the agreed repayment date.

2. A dishonest person refers to a person who violates the credit contract, loses the ability to repay, or significantly reduces the willingness to repay.

3. How long does it take for a credit card to be overdue to be considered a breach of trust may vary according to different banks and specific circumstances, but the generally accepted standard is an overdue credit card of more than 90 days.

Summary:

If a credit card is overdue for more than 90 days, it is considered a breach of trust. This means that the cardholder has not repaid the credit card debt on time for a long period of time and has lost the ability or willingness to repay. Overdue credit cards will have a negative impact on a person's credit record and may lead to a decline in credit rating, which in turn affects an individual's borrowing ability and credit limit.

Extended information:

In addition to being regarded as a dishonest person, overdue credit cards may also lead to the following consequences:

1. Interest and late fees: late repayment This usually triggers the calculation of high interest and late fees, increasing the repayment burden.

2. Damaged credit record: Overdue records will be reported to credit bureaus, which will have a negative impact on personal credit history.

3. Application difficulties: Overdue credit card records will make subsequent loan or credit card applications more difficult, and banks may refuse to grant credit lines or increase interest rates.

4. Collection and legal disputes: Banks have the right to take collection measures, such as phone calls, letters or entrusting third-party agencies to collect. If the debt is overdue for a long time, the bank may take legal measures to pursue debt repayment.