Details are as follows:
1. Credit card overdue: if the minimum repayment amount is not paid off after the repayment period, it will be deemed overdue.
2. Repayment after overdue: the overdue repayment amount is no longer regarded as the minimum repayment amount, but interest and liquidated damages are deducted.
3. Priority deduction of principal: for any repayment within 90 days, priority will be given to deduction of interest and liquidated damages, and no principal will be deducted.
4. The fourth repayment: repayment after 90 days can be regarded as providing priority to deduct the principal, without deducting interest and liquidated damages.
Summary: If the repayment of each installment is not lower than the minimum repayment amount from the first overdue day, the repayment will be started from the fourth installment, and the requirement of priority deduction of principal will not be met until 90 days later.
Extended data:
Overdue credit cards will have a great impact on personal credit records. Users are advised to repay in time before the deadline, so as not to affect their credit records.
The above answer is based on the agreement that the principal will be deducted 90 days after the credit card is overdue.