If your credit card is overdue for three months and is sued by the bank, you can take the following measures:

First of all, contact and communicate with the bank in a timely manner. You can explain the reason for the overdue payment and indicate that you will pay off the balance as soon as possible. Maintain active communication with the bank and indicate your willingness and ability to repay.

Second, seek professional legal help. You can consult an attorney to learn about your rights and coping strategies. An attorney can help you evaluate the specific circumstances of your case and provide relevant legal advice.

Third, participate in settlement or repayment agreement negotiations. While the legal proceedings are ongoing, you can proactively communicate with the bank and try to reach a settlement or repayment agreement. If you can offer a reasonable repayment plan and demonstrate a willingness to repair your credit, the bank may consider adjusting its case against you.

In short, if your credit card is overdue for three months and is sued by the bank, you should actively communicate with the bank, seek legal help, and try to reach a settlement or repayment agreement with the bank to solve the problem.

Extended information:

An overdue credit card may result in legal action by the bank. According to relevant Chinese regulations, banks can collect overdue amounts from borrowers through civil litigation procedures. In the prosecution process, the borrower has the right to defend himself or entrust a lawyer to represent him. Borrowers are responsible for providing relevant evidence to prove their willingness and ability to repay. Borrowers can also proactively propose a settlement or repayment agreement during the court process to mitigate the adverse impact on themselves. The final judgment will depend on the court's comprehensive judgment and relevant legal provisions.

Please note that the above answers are general suggestions only and specific circumstances will vary from case to case. It is recommended that you consult professionals according to the actual situation to obtain accurate legal advice and help.