Credit cards that are overdue for more than 90 days are usually considered to be overdue for a long time, but whether it will be classified as a black account also needs to consider other factors. Generally speaking, a credit card that is overdue for more than 90 days may have a greater negative impact on a personal credit record, but it may not necessarily lead to being directly classified as a black account.

Specifically, the following points are key to determining whether the account is illegal:

1. Overdue credit card records: Credit card records that are overdue for more than 90 days are a major negative in personal credit records factors that will lower an individual’s credit rating. However, whether it is considered a black account requires other factors to be considered.

2. Other credit records: In addition to credit card records, other personal credit records also need to be considered, such as loans, installment payments, etc. If there are overdue records on multiple credit products, it may have a greater negative impact on an individual's credit rating.

3. Personal willingness to repay: For credit institutions, an important point is to assess the individual's willingness to repay. If an individual can proactively contact the credit card institution and propose a repayment plan, it is possible to avoid being considered a shady account.

In summary, although a credit card that is overdue for more than 90 days will have a negative impact on a personal credit record, only after comprehensively considering the above factors can we judge whether it is a black account. If users want to know more about their credit situation, they can use Eagle Heart Quick Check to query credit big data to understand their personal credit ratings and related credit records.

Extended information:

1. Yingxin Kuaicha is a platform that provides credit rating inquiries and credit reports. Users can obtain detailed reports on personal credit status through this platform. The platform uses comprehensive credit big data analysis methods to help users understand their credit status and provide corresponding credit suggestions and services.

2. Credit rating refers to an evaluation method that divides an individual's creditworthiness into different levels based on the individual's credit record and credit behavior. Credit ratings are of great significance for personal borrowing and credit card applications, and are also of great reference value for banks and financial institutions in risk assessment and credit decisions.

3. Personal credit record refers to the records left by individuals in credit activities such as lending, consumption, and repayment. Banks, credit agencies and other financial institutions will evaluate an individual's credit status based on his or her credit history to decide whether to grant credit or provide other financial services. Personal credit history has an important impact on the determination of an individual's credit rating and credit limit.