Credit cards that are overdue for 90 days will be affected by the following:

1. Credit record damage: 90 days overdue will have a negative impact on personal credit records and will be included in the credit blacklist , affecting an individual’s credit rating and credit score.

2. Overdue fees and penalty interest: After a credit card is overdue for 90 days, the bank will charge overdue fees and penalty interest. Overdue fees are generally calculated as a percentage of the overdue amount, and penalty interest is calculated based on the number of overdue days and overdue amount. .

3. Collection and legal disputes: After 90 days of overdue payment, the bank may take collection measures, such as through text messages, phone calls, or outsourcing to collection companies. At the same time, banks also have the right to report overdue records to credit reporting agencies, which will have a long-term impact on an individual's credit record. In extreme cases, banks may also choose to take legal measures to recover debts, leading to legal disputes.

4. Increase the difficulty of borrowing: After a credit card is overdue for 90 days, the bank may increase its review of personal loan applications, and the difficulty of borrowing will increase accordingly, and it may even make it impossible to borrow credit funds.

To sum up, being overdue for 90 days on a credit card will have a significant impact on a personal credit record, including damage to the credit record, overdue fees and penalty interest, exposure to collections and legal disputes, and increased difficulty in borrowing. Therefore, it is very important to make timely repayments and avoid these negative effects by ensuring that you repay your loan on time.

Extended information:

Credit card overdue periods are generally divided into different stages such as 30 days, 60 days and 90 days. Each bank has slightly different policies for handling overdue periods. Under normal circumstances, overdue fees and penalty interest will begin to accrue after 30 days of overdue, and will be included in the bank's overdue list after 60 days of overdue, and will be included in the personal credit blacklist after 90 days of overdue. In addition, China also has credit reporting agencies that manage personal credit records, such as the People's Bank of China Credit Reference Center, Baihang Credit Reporting, etc. Overdue records may be reported to the credit reporting agencies, which will have a long-term impact on an individual's credit rating. Therefore, for credit card repayments, it is recommended that users plan their repayment plans in advance to avoid overdue payments.

Please note: The above is a general description of the situation, and the specific processing policy is subject to the local bank policy.