You can pay back half first. If your industrial and commercial credit card has been overdue for more than three months and you are now asked to pay it off in one go, you can choose to pay off half of it first. The following are detailed instructions:

1. First of all, based on the situation analysis, credit card repayments that are overdue for more than three months may incur high late payment fees or overdue interest. Therefore, the bank may require the entire amount owed to be paid off in one lump sum. Therefore, it is not surprising that he now asks you to pay it all in one lump sum.

2. Secondly, paying half back first can reduce your burden and show your sincerity in repayment. By paying half off first, you can partially pay off the debt, show your willingness and efforts to repay, and at the same time reduce the amount of debt and reduce subsequent late payment fees and overdue interest.

3. However, you must communicate with the bank when repaying and ensure that your repayment intentions and plans are understood and accepted. You can explain to the bank your current financial situation and why you can pay back half of it first. Through active communication with the bank, you may have the opportunity to negotiate for a better repayment arrangement, which may reduce your repayment burden.

To sum up, even if your industrial and commercial credit card is overdue for more than three months, you can pay off half of it first to reduce the burden and show your sincerity in repayment. However, you should communicate with the bank before repaying the loan and strive for a better repayment arrangement.

Extended information:

According to China's "Interim Measures for the Management of the Credit Information Basic Database of the People's Bank of China", credit card information that is overdue for more than three months will be reported to the Credit Information Basic Database database, negatively impacting personal credit records. Therefore, it is important to pay off overdue credit card payments on time to avoid damage to your credit history. It is recommended to communicate with the bank before repayment, seek reasonable repayment arrangements, and make repayments in strict accordance with the agreement to restore a good credit record.