1. Credit rating decline: overdue credit cards will lead to personal credit rating decline. Credit rating is an important indicator to measure personal credit status. Overdue for more than 90 days will be recorded by financial institutions, which will have a negative impact on personal credit records.

2. Credit report is damaged: overdue for more than 90 days will be recorded in personal credit report. Credit report is one of the bases for banks and other financial institutions to evaluate personal credit status. Overdue records will leave bad records in the report, which will adversely affect future personal loans and credit card applications.

3. Increased difficulty in borrowing: overdue for more than 90 days will increase the difficulty for individuals to borrow in the future. Due to the existence of overdue records, banks and other financial institutions will think that there is a problem with individual repayment ability, and will be more cautious when approving subsequent loan applications, and may ask for more guarantees or raise interest rates.

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 increase the difficulty of borrowing. Therefore, it is recommended to repay the credit card bill on time to avoid overdue repayment. Once overdue, contact the bank as soon as possible and negotiate with the bank to make a reasonable repayment plan to minimize the adverse effects.

Supplementary information:

-Overdue repayment may cause banks to take collection measures, such as telephone collection and door-to-door collection.

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

-In some cases, overdue credit cards may also cause banks to close credit card accounts, thus affecting personal credit status and credit card use ability.

The above are the consequences of credit card overdue for more than 90 days, mainly including credit rating decline, credit report damage and loan difficulty increase. For individuals with credit cards, it is very important to develop good bill management habits, repay on time and avoid being affected by bad credit records.