1. Overdue credit cards for three months will have the following consequences:

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a. Credit score decline: Overdue credit cards will lead to a decline in personal credit scores. This can adversely affect future applications for loans, credit cards and other financial services.

b. Overdue penalty interest: Overdue credit cards will incur high overdue penalty interest, which will increase the repayment burden. At the same time, late repayment may also result in additional overdue fees and late fees.

c. Being pursued by a collection company: Banks may entrust overdue accounts to specialized collection companies. They will continue to pursue overdue amounts through phone calls, text messages, etc., causing harassment and pressure to individuals.

d. Damage to personal credit record: Overdue credit cards will leave a bad record in personal credit record, which will have a long-term negative impact on the individual's future borrowing activities.

3. To sum up, overdue credit cards for three months will lead to a decline in personal credit scores, high overdue penalties, collection by collection companies, and damage to personal credit records.

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Extended information: According to China’s financial management regulations, overdue credit cards will trigger a series of consequences, but the specific situation may depend on personal credit history, bank policies and overdue amounts. There is a difference. Therefore, adhering to credit card repayment deadlines is key to ensuring good personal credit. In the event that you are unable to repay on time, it is recommended to communicate and negotiate with the bank in a timely manner to find a suitable repayment arrangement to reduce the severity of the consequences. At the same time, actively improve personal financial planning, reasonably arrange expenditures, ensure timely repayment of credit card debts, and maintain a good credit record.