Why do you send a message saying that you need to put on record when the credit card is overdue for three months and the minimum repayment amount is paid?

1. Record and evaluation: Banks and financial institutions record and evaluate the repayment of customers every month. Overdue repayment will have a negative impact on credit records, so banks will continue to pay attention to the repayment performance of overdue customers.

2. Risk control: overdue repayment means that the customer's credit status is poor, and the bank will regard it as a potential risk. Even if the customer pays off the minimum repayment amount, the bank will still pay attention to its repayment ability and credit risk, and take corresponding measures to control the risk.

3. Data archiving: The bank will archive the relevant data of overdue customers for future risk assessment and record update. The purpose of filing is to better understand the credit status and repayment ability of customers, so as to better manage and control risks.

To sum up, even if the minimum repayment amount is paid after the credit card is overdue for three months, the bank will send a message saying that the main purpose of filing is to evaluate and control the credit risk of customers and protect the interests of the bank.

Extended data:

Overdue repayment will have a serious impact on personal credit records. Overdue repayment will be included in the basic database of personal credit information of the People's Bank of China, which may adversely affect the approval of personal loans and credit cards. Therefore, it is recommended to repay in time and maintain a good credit record.

In addition, according to the repayment performance and credit status of individuals, banks may take different measures, including but not limited to increasing credit line monitoring, reducing credit line, restricting cash withdrawal, and canceling accounts. Therefore, timely repayment is very important for maintaining a good credit status and flexibility in the use of funds.

In short, after three months of overdue repayment, even if the minimum repayment amount has been paid off, the information received should be put on record, because banks need to continuously pay attention to the credit status and repayment performance of customers in order to control and manage risks. Timely repayment is very important for maintaining a good credit record and flexibility in the use of personal funds.