if the credit card is not overdue for a long time, the situation is not serious, and the personal repayment habit is good, after paying off the overdue debt, the bank usually unfreezes the credit card within one day, and the credit card holder can use it normally.

if the credit card is overdue for a long time, even if the debt is paid off, the bank will not automatically unfreeze and restore the credit card. The cardholder needs to apply to the bank to resume using the credit card. The specific time is not specified, but should be determined according to the cardholder's comprehensive personal qualifications and the use of credit cards. If the cardholder has many overdue times and poor credit, the bank may make decisions such as reducing the amount and sealing the card.