A credit card that is overdue for 90 days means that the credit card holder has been overdue for three consecutive months or more than 90 days without repaying the credit card bill. The handling of credit card overdue within 90 days is as follows:

1. The first point, overdue notice: When the credit card holder is overdue for one month, the bank will send an overdue notice to remind the holder to repay as soon as possible. And notify the calculation methods of overdue interest and late payment fees.

2. Second point, interest and late payment fees: Within 90 days of overdue payment, the bank will calculate interest and late payment fees based on the number of overdue days. Overdue interest is usually calculated by multiplying the remaining outstanding amount times the daily interest rate times the number of days overdue. Late payment fees are calculated based on the ratio stipulated in the credit card contract.

3. The third point is damage to your credit record: Overdue credit cards will cause your credit record to be affected. Within 90 days of being overdue, although the bank has not yet triggered legal measures to collect the debt, the holder's credit score will be negatively affected, which may affect the ability to obtain loans, credit cards, and other financial services in the future.

To sum up, if a credit card is overdue for less than 90 days, the bank will charge the holder, calculate overdue interest and late fees, and the credit record will be negatively affected.

For extended information, different banks have different regulations regarding the specific handling of overdue credit cards. Generally speaking, long-term overdue payments will lead to more serious consequences, such as long-term damage to credit records and banks taking legal measures to recover debts, etc. Therefore, individuals should maintain good repayment habits and avoid overdue credit cards to protect their credit history and personal financial status.

The above are answers to how to deal with credit cards that are overdue within 90 days. I hope it will be helpful to you.