According to the information provided, the credit card is overdue for 7 months, of which four months are overdue for more than 90 days, which means:

1. Answer:

Credit card Being overdue for 7 months, of which four months are overdue for more than 90 days means that the repayment time for four of these 7 months exceeds 90 days.

2. Detailed description:

a. Overdue status: Credit card overdue refers to the situation where the cardholder fails to repay the loan within the agreed time, resulting in the unpaid amount being overdue.

b. Overdue for more than 90 days: Overdue for more than 90 days means that the credit card holder failed to make repayments for more than 90 days in the previous four months. This means cardholders are experiencing significant delays in repaying their credit cards.

3. Summary:

So, if the credit card is overdue for 7 months, four months of which are overdue for more than 90 days indicate that the cardholder has serious problems during this period. Repayment delay issues.

4.

Extended information:

Late repayment will have a negative impact on personal credit history, which may lead to a decline in personal credit rating and affect future loans. Application and credit card approval. In addition, late repayment will also lead to the accumulation of interest and overdue fees, increasing the burden on cardholders.

Therefore, timely repayment is the key to maintaining a good credit record. It is recommended that cardholders abide by the credit card repayment date and try to avoid late repayment. If you are unable to repay on time due to financial difficulties, it is recommended to contact the credit card institution as soon as possible to proactively communicate and seek solutions to avoid greater debt and credit losses.