You can pay the minimum repayment amount.

Detailed instructions:

1. After the credit card is overdue for 3 days, you can still choose to pay the minimum payment amount. The minimum repayment amount refers to the minimum repayment amount stipulated by the credit card company. It is usually a part of the total amount owed. The specific amount can be viewed in the credit card statement.

2. The advantage of paying the minimum payment amount is that you can avoid late payment fees and overdue records. Even if you are a few days overdue, as long as you pay the minimum payment, credit card companies usually do not charge late fees and will not leave an overdue record on your personal credit history.

3. However, paying only the minimum payment will cause the remaining unpaid principal to continue to accrue interest. The minimum payment usually only repays part of the balance owed, and the unpaid portion will continue to accrue interest, and the interest is usually higher. Doing so will extend the repayment period and also increase the final repayment amount.

Summary:

After the credit card is overdue for 3 days, you can also choose to pay the minimum payment amount. Doing so will avoid late fees and overdue records, but unpaid principal will continue to accrue interest and the repayment period will be extended.

Extended information:

Late repayment will have a negative impact on an individual's credit record. The longer the overdue period, the greater the negative impact, which may affect the approval of future applications for loans, credit cards and other financial products, or result in higher interest rates.

Therefore, if you are able, it is recommended to pay off your credit card balance as early as possible to avoid the accumulation of late payment fees and interest. If funds are tight, you can communicate with your credit card company to see if you can apply for installment payment or extend the repayment period.

In addition, when repaying, you should pay attention to repaying the loan on time and check whether the bill is accurate. If you find an error in your bill, you should contact the credit card company for processing in time to avoid unnecessary trouble.

Please note that the above information is for reference only, and specific repayment regulations may vary between different credit card companies. It is recommended that you refer to your credit card statement and communication with the credit card company for actual operations.