"Time-sensitive service" of bank credit card means that when the cardholder fails to repay before the final repayment date, the issuing bank will provide customers with a three-day delayed repayment service. If the cardholder repays within the grace period, the bank will regard it as timely repayment. If it exceeds, you can call the bank to explain the situation.

What will happen if the credit card is overdue for three months depends on the specific situation:

1. If the amount owed by the credit card is 1 000 yuan, and the card issuer fails to return it for more than 3 months after twice collection, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law, which constitutes the crime of credit card fraud and shall bear criminal responsibility.

2. If it does not fall into the above circumstances, it shall bear civil liability, including repayment of the principal in arrears and overdue interest. And there will be bad credit records.

You shouldn't be prosecuted, but the consequences are still very serious. If the repayment is not made on time, the card will be frozen, and the account will be cancelled after a while. In this way, there will be bad credit records. If you find that your credit is bad when you go to the bank for a loan, you won't be loaned. No matter which bank is connected to the internet, every bank can find your bad record, unless a loan shark like a credit union will lend you money.

For reference only, if you need to confirm, please call customer service.