Hello, regarding your current credit card debt of more than 30,000 yuan, which has been overdue for three months and is unable to repay it, the following measures should be taken:

First of all, in When faced with this situation, do not be overly worried or panicked, but respond calmly. Although this problem is troubling, it is not an insurmountable problem and there are steps we can take to deal with it.

The first step is to communicate with the bank. Contact your credit card issuing bank and explain your predicament to them. You may get some help or advice by communicating directly with the bank, such as formulating a repayment plan, extending the repayment period or suspending repayment, etc.

The second step is to formulate a repayment plan. Develop a reasonable repayment plan based on your current financial situation. You can try to cut other expenses and save money to raise more funds for repayment. Making your repayment plan clear, targeted, and sticking to it will help reduce your debt over time.

The third step is to seek professional help. If you can't solve the problem yourself, you can seek advice from a professional financial advisor or debt counseling agency. They may be able to provide more detailed and personalized solutions, as well as some legal advice.

To sum up, when faced with a situation where the credit card debt is three months overdue and unable to repay, we can solve the problem by communicating with the bank, formulating a repayment plan, and seeking professional help. During the problem-solving process, you need to remain calm, work hard to find appropriate solutions, and continually work to restore your credit.

Extended information:

When communicating with the bank, you can prepare a detailed financial status report, including income, expenses and other debts. This allows the bank to better understand your situation and give you more appropriate advice. In addition, the repayment plan can be adjusted according to the actual situation. It is better if you have the ability to repay in advance. You can even consider borrowing to repay high-interest credit card debt. Most importantly, stick to your repayment plan and avoid going past due again.

The above is a solution for the case where the credit card debt is three months overdue and you are unable to repay it. I hope it will be helpful to you. If you have any other questions, please feel free to ask.