1. Answer:
Credit cards are overdue for seven months, four of which are overdue for more than 90 days, which means that in four of these seven months, the repayment time is more than 90 days.
2. Detailed description:
A. Overdue status: Credit card overdue refers to the situation that the cardholder fails to repay the loan at the agreed time, resulting in the overdue amount.
B overdue for more than 90 days: overdue for more than 90 days means that the credit card holder failed to repay the loan within 90 days in the previous four months. This means that the cardholder has seriously delayed repaying the credit card.
3. Summary:
Therefore, the situation that the credit card is overdue for seven months and four months is overdue for more than 90 days indicates that the cardholder has serious repayment delay during this period.
4. Extended information:
Overdue repayment will have a negative impact on personal credit records, which may lead to a decline in personal credit rating and affect future loan applications and credit card approval. In addition, overdue repayment will also lead to the accumulation of interest and overdue fees, increasing the burden on cardholders.
Therefore, timely repayment is the key to maintain a good credit record. Cardholders are advised to observe the repayment date of credit cards and try to avoid overdue repayment. If you can't repay the loan on time due to financial difficulties, it is recommended to contact the credit card institution as soon as possible, actively communicate and seek solutions to avoid causing greater debt and credit losses.