1. If a credit card is not repaid for more than 90 days, it is considered overdue for more than 90 days.

2. Detailed description:

- On the credit card bill, there will be a final repayment date every month. If this date is exceeded, it is considered overdue.

- The overdue time is calculated from the last repayment date. If it exceeds 90 days, it is considered overdue for more than 90 days.

- Being overdue for more than 90 days may result in serious consequences, such as damage to your credit history, increased interest and penalties, and even possible legal liability.

3. Summary: A credit card that is 90 days past the final repayment date is not considered overdue, which may bring a series of negative impacts.

4.

Extended information: Late repayments will have a negative impact on a person's credit record, lowering his credit rating and making it more difficult to obtain loan or credit card approval in the future. Delay of more than 90 days may result in further legal and recovery actions by the bank. Therefore, it is important to ensure that you pay off your credit card balances on time to maintain a good credit history and financial reputation.

5. Paragraph 1: If a credit card is not repaid for more than 90 days, it is considered overdue for more than 90 days.

Second paragraph: On the credit card bill, there is a final repayment date every month, and it is considered overdue if it exceeds this date. The overdue time is calculated from the last repayment date, and if it exceeds 90 days, it is considered overdue for more than 90 days.

Paragraph 3: Being overdue for more than 90 days may have a negative impact on individuals, such as damage to their credit records, increased interest and fines, and they may even face legal liability. Therefore, it is important to keep paying off your credit card balances on time.

The above is the answer based on the question.