No. Repaying 1,000 yuan every month cannot make up for the debt that is 3 months overdue, so it is impossible to continue repaying the loan with a credit limit of more than 20,000.

Detailed instructions:

1. According to the information provided, you are 3 months overdue and unable to repay the entire amount owed.

2. Repaying 1,000 yuan every month can only alleviate part of the debt, but cannot repay it in full.

3. Your credit limit is more than 20,000, which means that you have obtained a certain loan limit, but being overdue for 3 months and unable to repay in full will have a serious impact on your credit record.

4. In this case, it is recommended to communicate with creditors or relevant financial institutions to seek feasible solutions, such as installment payments, adjusting repayment plans, or negotiating to reduce part of the arrears, etc.

Summary:

According to the information provided, the method of repaying 1,000 yuan every month cannot meet the needs of customers who are overdue for 3 months and have a credit limit of more than 20,000. Late repayments will have a negative impact on your credit history, so it is recommended to communicate with your creditors to find feasible repayment solutions.

Extended information:

Late repayment will have a serious impact on personal credit records, which may lead to adverse consequences such as a decrease in credit rating, an increase in loan interest rates, and a reduction in credit limits. It is recommended to adhere to the repayment plan, and if you encounter difficulties in repayment, promptly communicate with creditors and seek reasonable solutions to protect your personal credit record and financial reputation.

Relevant terms:

China’s relevant laws stipulate that late repayment may lead to personal credit damage and legal recovery. According to the Contract Law of the People's Republic of China, the borrower should repay the principal and interest of the loan according to the agreed time and amount, and bear corresponding liability for breach of contract. For overdue repayments, financial institutions may take legal measures to require borrowers to fulfill their repayment obligations, including but not limited to prosecution, credit record updates, etc.

The above is the answer based on the conditions provided.