what you want to ask is, do you still need to open a settlement certificate after the credit card is overdue? In this case, a settlement certificate is required.

after inquiring about official website of China Bank, it is known that the conditions for the bank to issue a certificate are: good credit, no malicious overdue behavior for many times, and the credit card arrears have indeed been settled.

The credit card settlement certificate is generally used when handling loan business. The bank will examine the applicant's financial ability and debt situation. If the cardholder has more than one credit card in his name, he may be asked to show the credit card settlement certificate to prove that there is no debt. After the overdue payment, the settlement certificate is also needed, because the overdue credit is collected at the meeting. If it is necessary to provide the settlement certificate when lending later, it is necessary.