Credit cards that are overdue for more than 90 days will have the following consequences:

1. Credit rating decline: Overdue credit cards will cause personal credit ratings to decline. Credit rating is an important indicator of personal credit status. If it is overdue for more than 90 days, it will be recorded by the financial institution, which will have a negative impact on the personal credit record.

2. Damage to the credit report: If the credit report is overdue for more than 90 days, it will be recorded in the personal credit report. Credit report is one of the basis used by banks and other financial institutions to evaluate personal credit status. Overdue records will leave bad records in the report, which will have a negative impact on an individual's future loans and credit card applications.

3. Increased borrowing difficulties: Being overdue for more than 90 days will increase personal difficulties in borrowing in the future. Due to the existence of overdue records, banks and other financial institutions will think that there is a problem with an individual's repayment ability, and will be more cautious in approving subsequent loan applications, and are likely to require more guarantees or increase interest rates and other conditions.

To sum up, credit card overdue for more than 90 days will lead to a decline in credit rating, damage to personal credit report and increased difficulty in borrowing. Therefore, it is recommended that you pay off your credit card bills on time to avoid late repayments. When an overdue payment occurs, contact the bank as soon as possible and negotiate with the bank to formulate a reasonable repayment plan to minimize the adverse effects.

Supplementary information:

- Overdue repayment may cause the bank to take recovery measures, such as collection calls, door-to-door collection, etc.

- If the credit card is overdue for more than 180 days, the bank may transfer the overdue account to a third-party agency for processing, which may involve legal proceedings.

- In some cases, an overdue credit card may also cause the bank to close the credit card account, affecting personal credit status and the ability to use the credit card.

The above are the consequences of a credit card being overdue for more than 90 days, which mainly include a decline in credit rating, damage to credit reports and increased difficulty in borrowing. For individuals who hold credit cards, it is very important to develop good bill management habits and make repayments on time to avoid suffering the impact of a bad credit record.