Details are as follows:

First, if the credit card is overdue for 3 months, the bank will submit the overdue record to the basic database of personal credit information of the People's Bank of China. This means that your overdue records will be recorded and may have a negative impact on your credit rating.

Second, overdue repayment of credit cards will reduce your credit rating. The credit rating system will evaluate your credit rating according to your credit history, repayment ability and other factors. Overdue repayment will lower your credit rating, which may adversely affect your financial services such as applying for loans and handling credit cards.

Third, being a faithless person will limit your credit consumption. Once it is included in the list of dishonesty, credit will be restricted and it may be impossible to apply for credit consumption services such as credit cards and loans. At the same time, you may also face restrictions that affect your life, such as being restricted from buying high-consumption goods and taking high-speed trains.

In short, after the credit card is overdue for 3 months, you may become a faithless person, affecting your credit rating and being restricted by credit consumption. Therefore, in order to maintain a good credit record, timely repayment is very important.

Extended data:

1. Overdue records will be kept in the basic database of personal credit information for a period of time, usually 5 years.

2. Credit rating is based on personal credit record, repayment ability and other factors.

3. After being included in the list of dishonesty, you can restore your credit by actively improving your credit record and taking the initiative to repay.