Overdue for more than 90 days means that the credit card holder has a record of not repaying on time for more than 90 days within 24 months. The specific explanation is as follows:

1. First extension: When a credit card holder is overdue for more than 90 days for the first time, the bank will record the overdue payment, which is called the first extension.

2. Overdue count statistics: In the next 24 months, as long as the holder fails to pay off the bill more than 90 days after the repayment date, each overdue bill will be counted in the overdue count. Therefore, there are 24 repayment opportunities within 24 months. If each repayment is overdue for more than 90 days, the number of overdue payments is 24.

3. Impact: Being overdue for more than 90 days will have a serious impact on your personal credit record. Banks or other financial institutions will check personal credit records when reviewing loans, credit card applications, etc. Too many overdue times will be considered a sign of bad credit, which will reduce the credit limit and credit rating.

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Extended information: For credit card holders, it is very important to avoid late repayments. Maintaining a good credit record can lead to higher credit limits and lower interest rates, improving the success rate of borrowing and credit card applications. Properly arranging funds and making repayment plans in advance are effective ways to avoid overdue payments.

5. Summary: Being overdue for more than 90 days in 24 months means that there are 24 overdue opportunities within 24 months, and each time it is overdue for more than 90 days, it will be included in the number of overdue times. An increase in the number of delinquencies will have a negative impact on an individual's credit history, adversely affecting future borrowing and credit card applications.