The solution to a three-month overdue credit card is as follows:

To solve the problem of overdue credit card, you need to take a series of actions to pay off the debt as soon as possible and avoid the negative impact on your personal credit record. .

1. The first step is to understand the current situation of overdue credit cards. Collect relevant information about overdue bills, including the amount owed, the number of days overdue, penalty interest rates, etc. This can be obtained by contacting the bank's customer service, checking credit card online banking, or calling the bank's hotline.

2. Second, formulate a repayment plan. Develop a reasonable repayment plan based on your financial situation and ability. You can give priority to repaying bills with smaller overdue amounts and higher penalty rates, or evenly distribute all arrears to each bill for gradual repayment. It is very important to ensure that you make the minimum payment on time each month to help reduce the accumulation of penalty interest and the impact on your personal credit history.

3. You can consider applying for a credit card reimbursement plan from the bank. Some banks provide credit card installment repayment services. You can negotiate with the bank to repay the outstanding balance in installments to reduce financial pressure. Installment repayment plans usually require application and meeting certain conditions, so it is recommended to communicate with the bank’s customer service to understand the specific application process and conditions.

To sum up, the important steps to solve the overdue credit card include understanding the debt situation, developing a repayment plan and considering an installment plan. These methods can help individuals pay off overdue credit card balances as quickly as possible, repair their credit history, and ensure that they can better manage their financial situation in the future.

Note: This answer is for reference only. Specific solutions should be decided based on personal circumstances and bank policies. The above information is for reference only. For detailed information, please consult professionals or contact relevant financial institutions.