Detailed description:

1. The minimum repayment amount is the minimum monthly repayment amount required by the credit card company.

2. If it is overdue for three months, the credit card account will be frozen and there will be overdue records.

3. Even if the minimum repayment amount is selected, the remaining arrears will still be included in next month's bill, which will generate high interest on future bills.

In addition, three months overdue may trigger credit card companies to take legal measures to recover, further increasing your debt and credit risk.

Therefore, only paying the minimum repayment amount cannot solve the problem of fully repaying the arrears. It is suggested to repay all the arrears as soon as possible to avoid generating additional interest and expenses.

Summary:

Although the credit card is overdue for three months, you can choose to pay only the minimum repayment amount, but doing so will accumulate high interest and overdue fees. In order to avoid further liabilities and credit risks, it is recommended to repay all the arrears as soon as possible.

Extended data: